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pdfFFIEC 031
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Draft Reporting Form for Call Report Revisions
Proposed to Take Effect June 30, 2018
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This draft reporting form reflects the burden-reducing revisions to the FFIEC 031
Call Report proposed to take effect June 30, 2018, as described in the federal
banking agencies’ initial Paperwork Reduction Act Federal Register notice
to be published on November 8, 2017. The Federal Register notice for these
proposed Call Report revisions will be available on the
FFIEC’s web page for the FFIEC 031 Call Report. These proposed Call Report
revisions are annotated in green font in the draft reporting form.
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This draft reporting form also reflects the burden-reducing revisions to the FFIEC
031 Call Report proposed to take effect March 31, 2018, as described in the
federal banking agencies’ initial Paperwork Reduction Act Federal Register
notice published on June 27, 2017. The Federal Register notice for these
proposed Call Report revisions is available on the
FFIEC’s web page for the FFIEC 031 Call Report. These proposed Call Report
revisions are annotated in red font in the draft reporting form.
In addition, this draft reporting form also includes proposed revisions to the
FFIEC 031 Call Report in response to changes in the accounting for equity
securities that take effect March 31, 2018, for certain institutions and at later
dates for other institutions. These proposed equity securities revisions are
included in the June 2017 Federal Register notice noted above. These
proposed Call Report revisions are annotated in blue font in the draft reporting
form.
Draft as of November 7, 2017
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Federal Financial Institutions Examination Council
Board of Governors of the Federal Reserve System OMB Number 7100-0036
Federal Deposit Insurance Corporation
OMB Number 3064-0052
Office of the Comptroller of the Currency
OMB Number 1557-0081
Approval expires March 31, 2020
Page 1 of 84
Consolidated Reports of Condition and Income for
a Bank with Domestic and Foreign Offices—FFIEC 031
and (2) banks with domestic offices
only and total consolidated assets of
$100 billion or more.
June 30,31,
2018
Report at the close of business March
2017
20180630
(20170331)
This report is required by law: 12 U.S.C. § 324 (State member
banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161
(National banks); and 12 U.S.C. §1464 (Savings associations).
This report form is to be filed by banks with branches and consolidated subsidiaries in U.S. territories and possessions, Edge or
Agreement subsidiaries, foreign branches, consolidated foreign
subsidiaries, or International Banking Facilities.
schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and are true and correct to the best of my
knowledge and belief.
We, the undersigned directors (trustees), attest to the correctness
of the Reports of Condition and Income (including the supporting
schedules) for this report date and declare that the Reports of
Condition and Income have been examined by us and to the best
of our knowledge and belief have been prepared in conformance
with the instructions issued by the appropriate Federal regulatory
authority and are true and correct.
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NOTE: Each bank’s board of directors and senior management are
responsible for establishing and maintaining an effective system of
internal control, including controls over the Reports of Condition and
Income. The Reports of Condition and Income are to be prepared in
accordance with federal regulatory authority instructions. The Reports
of Condition and Income must be signed by the Chief Financial
Officer (CFO) of the reporting bank (or by the individual performing an
equivalent function) and attested to by not less than two directors
(trustees) for state nonmember banks and three directors for state
member banks, national banks, and savings associations.
(1)
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Unless the context indicates otherwise, the term “bank” in this
report form refers to both banks and savings associations.
(RCON 9999)
I, the undersigned CFO (or equivalent) of the named bank, attest
that the Reports of Condition and Income (including the supporting
Director (Trustee)
Signature of Chief Financial Officer (or Equivalent)
Director (Trustee)
Date of Signature
Director (Trustee)
Submission of Reports
Each bank must file its Reports of Condition and Income (Call
Report) data by either:
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(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the
electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the
bank’s data file to the CDR.
For technical assistance with submissions to the CDR, please
contact the CDR Help Desk by telephone at (888) CDR-3111, by
fax at (703) 774-3946, or by e-mail at CDR.Help@ffiec.gov.
FDIC Certificate Number
(RSSD 9050)
To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank’s
completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
The appearance of your bank’s hard-copy record of the
submitted data file need not match exactly the appearance of the
FFIEC’s sample report forms, but should show at least the
caption of each Call Report item and the reported amount.
Legal Title of Bank (RSSD 9017)
City (RSSD 9130)
State Abbreviation (RSSD 9200)
Zip Code (RSSD 9220)
Legal Entity Identifier (LEI)
(Report only if your institution already has an LEI.) (RCON 9224)
The estimated average burden associated with this information collection is 128.05 hours per respondent and is expected to vary by institution, depending on individual circumstances.
Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling
and maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to
respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this
burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of
Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency,
Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.
03/2017
FFIEC 031
Page 2 of 84
Consolidated Reports of Condition and Income for a Bank
with Domestic and Foreign Offices
Table of Contents
Signature Page ............................................................ 1
Contact Information................................................. 3, 4
Schedule RC-H—Selected Balance Sheet Items for
Domestic Offices ............................................... RC-22
Schedule RC-I—Assets and Liabilities of IBFs .......... RC-23
Schedule RC-K—Quarterly Averages ..................... RC-23
Schedule RI—Income Statement .................... RI-1, 2, 3, 4
Schedule RC-L—Derivatives and
Off-Balance-Sheet Items ................... RC-24, 25, 26, 27
Schedule RI-A—Changes in Bank Equity Capital..........RI-5
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses............................. RI-5, 6, 7
Schedule RC-M—Memoranda ............... RC-28, 29, 30, 31
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets ............RC-32, 33, 34, 35, 36
Schedule RC-O—Other Data for Deposit Insurance
and FICO Assessments.......... RC-37, 38, 39, 40, 41, 42
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Schedule RI-C—Disaggregated Data on the
Allowance for Loan and Lease Losses
(to be completed only by selected banks) ................ RI-8
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Report of Income
Schedule RI-D—Income from Foreign Offices .............RI-9
Schedule RI-E—Explanations............................. RI-10, 11
Report of Condition
Schedule RC—Balance Sheet ............................. RC-1, 2
Schedule RC-A—Cash and Balances Due
from Depository Institutions .................................. RC-3
Schedule RC-B—Securities ....................... RC-3, 4, 5, 6, 7
Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases ................ RC-8, 9, 10, 11, 12
Part II. Loans to Small Businesses and
Small Farms ............................................ RC-13, 14
Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected
banks).................................................... RC-15, 16, 17
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Schedule RC-E—Deposit Liabilities ............. RC-18, 19, 20
Schedule RC-F—Other Assets................................ RC-21
Schedule RC-P—1–4 Family Residential Mortgage
Banking Activities in Domestic Offices
(to be completed only by selected banks) ............ RC-43
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis
(to be completed only by selected banks) .. RC-44, 45, 46
Schedule RC-R—Regulatory Capital:
Part I. Regulatory Capital Components
and Ratios ........................................... RC-47, 48, 49
Part II. Risk-Weighted
Assets .... RC-50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities ......................... RC-61, 62, 63
Schedule RC-T—Fiduciary and Related
Services ........................................... RC-64, 65, 66, 67
Schedule RC-V—Variable Interest Entities .............. RC-68
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income..................................... RC-69
Schedule RC-G—Other Liabilities............................ RC-21
For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s Data
Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday
between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.
03/2017
FFIEC 031
Page 3 of 84
Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide
contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person
at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief
Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another
person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the
Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number if not available. Contact information for
the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.
Other Person to Whom Questions about the
Reports Should be Directed
Name (TEXT C490)
Name (TEXT C495)
Title (TEXT C491)
E-mail Address (TEXT C492)
Title (TEXT C496)
E-mail Address (TEXT 4086)
Area Code / Phone Number / Extension (TEXT 8902)
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Area Code / Phone Number / Extension (TEXT C493)
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Chief Financial Officer (or Equivalent)
Signing the Reports
Area Code / FAX Number (TEXT C494)
Area Code / FAX Number (TEXT 9116)
Chief Executive Officer Contact Information
This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance
assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters
may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please
provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's
e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies
and will not be released to the public.
Chief Executive Officer
Name (TEXT FT42)
Area Code / Phone Number / Extension (TEXT FT43)
E-mail Address (TEXT FT44)
Area Code / FAX Number (TEXT FT45)
Emergency Contact Information
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This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks.
Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information
for a secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact
information is for the confidential use of the Agencies and will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C366)
Name (TEXT C371)
Title (TEXT C367)
Title (TEXT C372)
E-mail Address (TEXT C368)
E-mail Address (TEXT C373)
Area Code / Phone Number / Extension (TEXT C369)
Area Code / Phone Number / Extension (TEXT C374)
Area Code / FAX Number (TEXT C370)
Area Code / FAX Number (TEXT C375)
09/2016
FFIEC 031
Page 4 of 84
USA PATRIOT Act Section 314(a) Anti-Money Laundering
Contact Information
This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a)
information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement
Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and antimoney-laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state
the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law
enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12
U.S.C. 3401 et seq.).
Primary Contact
Name (TEXT C437)
Secondary Contact
Name (TEXT C442)
Title (TEXT C443)
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Title (TEXT C438)
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Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the
bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the
Agencies, FinCEN, and law enforcement officers and will not be released to the public.
E-mail Address (TEXT C444)
Area Code / Phone Number / Extension (TEXT C440)
Area Code / Phone Number / Extension (TEXT C445)
Third Contact
Fourth Contact
Name (TEXT C870)
Name (TEXT C875)
Title (TEXT C871)
Title (TEXT C876)
E-mail Address (TEXT C872)
E-mail Address (TEXT C877)
Area Code / Phone Number / Extension (TEXT C873)
Area Code / Phone Number / Extension (TEXT C878)
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E-mail Address (TEXT C439)
06/2012
FFIEC 031
Page 5 of 84
RI-1
Consolidated Report of Income
2018 –March
June 30,31,
2018
2017
for the period January 1, 2017
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.
Schedule RI—Income Statement
Dollar Amounts in Thousands RIAD
4435
4436
4024
4012
1.a.(1)(a)(1)
1.a.(1)(a)(2)
1.a.(1)(b)
1.a.(1)(c)
B485
1.a.(1)(d)(1)
B486
4056
4065
4115
1.a.(1)(d)(2)
1.a.(1)(e)
1.a.(1)(f)
1.a.(2)
1.a.(3)
1.b.
1.c.
B488
B489
1.d.(1)
1.d.(2)
4060
4069
4020
4518
4107
1.d.(3)
1.e.
1. f.
1.g.
1.h.
4508
2.a.(1)(a)
0093
HK03
HK04
2.a.(1)(b)(1)
2.a.(1)(b)(2)
2.a.(1)(b)(3)
2.a.(2)
2.b.
2.c.
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1. Interest income:
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by real estate:
(1) Loans secured by 1– 4 family residential properties....................................
(2) All other loans secured by real estate ......................................................
(b) Loans to finance agricultural production and other loans to farmers .....................
(c) Commercial and industrial loans ...................................................................
(d) Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards .........................................................................................
(2) Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans) ......................................................................
(e) Loans to foreign governments and official institutions ........................................
(f) All other loans in domestic offices .................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ...............................
(3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)) .........
b. Income from lease financing receivables.................................................................
c. Interest income on balances due from depository institutions1 .....................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations
(excluding mortgage-backed securities) .............................................................
(2) Mortgage-backed securities .............................................................................
(3) All other securities
(includes securities issued by states and political subdivisions in the U.S.) ................
e. Interest income from trading assets .......................................................................
f. Interest income on federal funds sold and securities purchased under agreements to resell....
g. Other interest income .........................................................................................
h. Total interest income (sum of items 1.a.(3) through 1.g) .............................................
2. Interest expense:
a. Interest on deposits:
(1) Interest on deposits in domestic offices:
(a) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS
accounts, and telephone and preauthorized transfer accounts) ...........................
(b) Nontransaction accounts:
(1) Savings deposits (includes MMDAs) .........................................................
(2) Time deposits of $250,000 or less..........................................................
(3) Time deposits of more than $250,000 .....................................................
(2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs ....
b. Expense of federal funds purchased and securities sold under agreements to repurchase ......
c. Interest on trading liabilities and other borrowed money .............................................
Amount
B487
4059
4010
4172
4180
4185
1. Includes interest income on time certificates of deposit not held for trading.
03/2017
FFIEC 031
Page 6 of 84
RI-2
Schedule RI—Continued
Year-to-date
Dollar Amounts in Thousands RIAD
Amount
4200
4073
4070
4080
A220
C886
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2. Interest expense (continued):
d. Interest on subordinated notes and debentures ...............................................................
e. Total interest expense (sum of items 2.a through 2.d) .......................................................
3. Net interest income (item 1.h minus 2.e) ........................................... 4074
4. Provision for loan and lease losses .................................................. 4230
5. Noninterest income:
a. Income from fiduciary activities1 ...................................................................................
b. Service charges on deposit accounts ............................................................................
c. Trading revenue2 ......................................................................................................
d. (1) Fees and commissions from securities brokerage .......................................................
(2) Investment banking, advisory, and underwriting fees and commissions ...........................
(3) Fees and commissions from annuity sales .................................................................
(4) Underwriting income from insurance and reinsurance activities ......................................
(5) Income from other insurance activities ......................................................................
e. Venture capital revenue .............................................................................................
f. Net servicing fees .....................................................................................................
g. Net securitization income............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases...............................................................
j. Net gains (losses) on sales of other real estate owned ......................................................
k. Net gains (losses) on sales of other assets3 ...................................................................
l. Other noninterest income* ..........................................................................................
m. Total noninterest income (sum of items 5.a through 5.l).................... 4079
6. a. Realized gains (losses) on held-to-maturity securities ....................... 3521
b. Realized gains (losses) on available-for-sale securities ..................... 3196
7. Noninterest expense:
a. Salaries and employee benefits ...................................................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ......................................
c. (1) Goodwill impairment losses ....................................................................................
(2) Amortization expense and impairment losses for other intangible assets ..........................
d. Other noninterest expense*.........................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d) .................. 4093
8. Income (loss) before applicable income taxes and discontinued
operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) ............ 4301
4302
8.c
9. Applicable income taxes (on item 8) .................................................
10. Income (loss) before discontinued operations (item 8 minus item 9) ........ 4300
11. Discontinued operations, net of applicable income taxes* ..................... FT28
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11) ................................................... G104
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests
(if net income, report as a positive value; if net loss, report as a
negative value) ............................................................................ G103
14. Net income (loss) attributable to bank (item 12 minus item 13)............... 4340
C888
C887
C386
C387
B491
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B492
B493
5416
5415
B496
2.d.
2.e.
3.
4.
5.a.
5.b.
5.c.
5.d.(1)
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
5. f.
5.g.
B497
5. i.
5. j.
5.k.
5. l.
5.m.
6.a.
6.b.
4135
7.a.
4217
C216
7.b.
7.c.(1)
7.c.(2)
7.d.
7.e.
C232
4092
8. c.
9.
10.
11.
12.
13.
14.
Replace item 8 with INSERT A
*Describe on Schedule RI-E—Explanations.
1. For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal
the amount reported in Schedule RC-T, item 22.
2. For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of
Memorandum items 8.a through 8.e.
3. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale securities.
03/2017
INSERT A
SCHEDULE RI, REVISED ITEM 8
8.a. Income (loss) before unrealized holding gains (losses) on equity securities
not held for trading, applicable income taxes, and discontinued operations
(item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) .......................................
trading4
4
8.a.
XXXX
8.b.
4301
8.c.
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b. Unrealized holding gains (losses) on equity securities not held for
.....
c. Income (loss) before applicable income taxes and discontinued operations
(sum of items 8.a and 8.b) .................................................................................
XXXX
Item 8.b is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions
governing the accounting for investments in equity securities. See the instructions for further detail on ASU
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FFIEC 031
Page 7 of 84
RI-3
Schedule RI—Continued
Memoranda
Dollar Amounts in Thousands RIAD
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes ............................... 4513
Year-to-date
Amount
M.1.
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets1
8431
M.2.
4313
M.3.
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2. Income from the sale and servicing of mutual funds and annuities in domestic offices
(included in Schedule RI, item 8) ................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) .................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3)) .........................................................................
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) ................................................................................
6. Not applicable
7. If the reporting institution has applied push down accounting this calendar year, report the
date of the institution's acquisition (see instructions) 2 .....................................................
8. Trading revenue (from cash instruments and derivative instruments)
(sum of Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c):
4507
4150
RIAD
9106
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Memorandum items 8.a through 8.e are to be completed by banks that reported
average trading assets (Schedule RC-K, item 7) of $10 million or more for any quarter
of the preceding calendar year.
total trading assets
a.
b.
c.
d.
e.
Interest rate exposures.........................................................................................
Foreign exchange exposures.................................................................................
Equity security and index exposures .......................................................................
Commodity and other exposures ............................................................................
Credit exposures.................................................................................................
M.4.
Number
RIAD
8757
8758
8759
M.5.
Date
M.7.
Amount
F186
M.8.a.
M.8.b.
M.8.c.
M.8.d.
M.8.e.
FT36
FT37
M.8.f.(1)
M.8.f.(2)
FT38
FT39
FT40
M.8.g.(1)
M.8.g.(2)
M.8.h.
8760
Memorandum items 8.f through 8.h are to be completed by banks with $100 billion or
more in total assets that are required to complete Schedule RI, Memorandum items 8.a
through 8.e, above.1
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f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives
counterparties on the bank's derivative assets (year-to-date changes)
(included in Memorandum items 8.a through 8.e above):
(1) Gross credit valuation adjustment (CVA) ..........................................................
(2) CVA hedge....................................................................................................
g. Impact on trading revenue of changes in the creditworthiness of the bank on the
bank's derivative liabilities (year-to-date changes) (included in Memorandum items 8.a
through 8.e above):
(1) Gross debit valuation adjustment (DVA) ...........................................................
(2) DVA hedge....................................................................................................
h. Gross trading revenue, before including positive or negative net CVA and net DVA ..
1. The asset size tests are based on the total assets reported in the June 30, 2017,
2016, Report of Condition.
2. Report the date in YYYYMMDD format. For example, a bank acquired on March 1, 2017,
20180301.
2018, would report 20170301.
03/2017
FFIEC 031
Page 8 of 84
RI-4
Schedule RI—Continued
Memoranda—Continued
RIAD
Year-to-date
Amount
C889
M.9.a.
M.9.b.
M.10.
C890
A251
RIAD Yes
A530
No
M.11.
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Dollar Amounts in Thousands
Memorandum items 9.a and 9.b are to be completed by banks with $10 billion or more in
total assets1
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading ................................................
b. Net gains (losses) on credit derivatives held for purposes other than trading ....................
10. Credit losses on derivatives (see instructions) ...............................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year
Memorandum item 12 is to be completed by banks that are required to complete Schedule
RC-C, Part I, Memorandum items 8.b and 8.c. and is to be completed semiannually in the June and December reports only.
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RIAD
12. Noncash income from negative amortization on closed-end loans secured by 1– 4 family
residential properties (included in Schedule RI, item 1.a.(1)(a)(1)) ..................................... F228
Amount
M.12.
Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilities under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets:..................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.......................................................................................................
b. Net gains (losses) on liabilities ................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk.......................................................................................................
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt
securities recognized in earnings (included in Schedule RI, items 6.a and 6.b) ..................
F551
M.13.a.
F552
F553
M.13.a.(1)
M.13.b.
F554
M.13.b.(1)
J321
M.14.
H032
M.15.a.
H033
M.15.b.
H034
H035
M.15.c.
M.15.d.
Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets1
that answered "Yes" to Schedule RC-E, Part I, Memorandum item 5.
D
15. Components of service charges on deposit accounts in domestic offices (sum of
Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b):
a. Consumer overdraft-related service charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ...................................................
b. Consumer account periodic maintenance charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ...................................................
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ...................................................
d. All other service charges on deposit accounts ............................................................
1. The asset size tests are based on the total assets reported in the June 30, 2017,
2016, Report of Condition.
03/2017
FFIEC 031
Page 9 of 84
RI-5
Schedule RI-A—Changes in Bank Equity Capital
RIAD
Amount
3217
1.
B507
B508
4340
2.
3.
4.
B509
B510
B511
5.
6.
7.
8.
9.
10.
4415
11.
3210
12.
4356
4470
4460
R
AF
T
Dollar Amounts in Thousands
2017, Reports of
1. Total bank equity capital most recently reported for the December 31, 2016,
Condition and Income (i.e., after adjustments from amended Reports of Income) .................
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors* ..................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ..........................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)............................
5. Sale, conversion, acquisition, or retirement of capital stock, net
(excluding treasury stock transactions) ........................................................................
6. Treasury stock transactions, net .................................................................................
7. Changes incident to business combinations, net ............................................................
8. LESS: Cash dividends declared on preferred stock ........................................................
9. LESS: Cash dividends declared on common stock .........................................................
10. Other comprehensive income1 ...................................................................................
11. Other transactions with stockholders (including a parent holding company)*
(not included in items 5, 6, 8, or 9 above) .....................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11)
(must equal Schedule RC, item 27.a) ..........................................................................
*Describe on Schedule RI-E—Explanations
1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains
(losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan-related changes other than net
periodic benefit cost.
Schedule RI-B—Charge-offs and Recoveries on Loans and Leases
and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.
(Column A)
Charge-offs1
Dollar Amounts in Thousands RIAD
D
1. Loans secured by real estate:
a. Construction, land development, and other land loans in domestic
offices:
(1) 1–4 family residential construction loans ..............................
(2) Other construction loans and all land development and other
land loans .....................................................................
b. Secured by farmland in domestic offices ...................................
c. Secured by 1–4 family residential properties in domestic offices:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit ........................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ...................................................
(b) Secured by junior liens .................................................
d. Secured by multifamily (5 or more) residential properties in
domestic offices...................................................................
e. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties ......................................................................
(2) Loans secured by other nonfarm nonresidential properties .......
f. In foreign offices ..................................................................
1. Include write-downs arising from transfers of loans to a held-for-sale account.
(Column B)
Recoveries
Calendar Year-to-date
Amount
RIAD
Amount
C891
C892
1.a.(1)
C893
3584
C894
3585
1.a.(2)
1.b.
5411
5412
1.c.(1)
C234
C235
C217
C218
1.c.(2)(a)
1.c.(2)(b)
3588
3589
1.d.
C895
C897
B512
C896
C898
B513
1.e.(1)
1.e.(2)
1. f.
03/2017
FFIEC 031
Page 10 of 84
RI-6
Schedule RI-B—Continued
Part I—Continued
(Column A)
Charge-offs1
(Column B)
Recoveries
Calendar Year-to-date
Dollar Amounts in Thousands RIAD
RIAD
Amount
4655
4665
3.
4645
4617
4646
4618
4.a.
4.b.
T
2. Not applicable
3. Loans to finance agricultural production and other loans to farmers ..........
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) .......................................................
b. To non-U.S. addressees (domicile) .................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards ...............................................................................
b. Automobile loans ........................................................................
c. Other (includes revolving credit plans other than credit cards, and other
consumer loans) .........................................................................
6. Loans to foreign governments and official institutions.............................
7. All other loans ...............................................................................
8. Lease financing receivables:
a. Leases to individuals for household, family, and other personal
expenditures ..............................................................................
b. All other leases...........................................................................
9. Total (sum of items 1 through 8) ........................................................
Amount
B515
K133
5.a.
5.b.
K205
4643
4644
K206
4627
4628
5.c.
6.
7.
F185
F187
C880
4635
F188
4605
8.a.
8.b.
9.
R
AF
B514
K129
Memoranda
(Column A)
Charge-offs1
(Column B)
Recoveries
Calendar Year-to-date
Dollar Amounts in Thousands RIAD
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, Part I, items 4 and 7, above ........................................ 5409
2. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 1, above) ................................. 4652
3. Not applicable
Amount
Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance
Report purposes.
RIAD
5410
M.1.
4662
M.2.
Calendar Year-to-date
RIAD
4. Uncollectible retail credit card fees and finance charges reversed against income
(i.e., not included in charge-offs against the allowance for loan and lease losses) ........................ C388
D
Amount
Amount
M.4.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
03/2017
FFIEC 031
Page 11 of 84
RI-7
Schedule RI-B—Continued
Part II. Changes in Allowance for Loan and Lease Losses
*Describe on Schedule RI-E—Explanations.
Amount
B522
4605
1.
2.
C079
5523
4230
3.
4.
5.
6.
C233
3123
R
AF
Memoranda
RIAD
T
Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, 2017,
2016, Reports of Condition and Income
(i.e., after adjustments from amended Reports of Income) ........................................................
2. Recoveries (must equal Part I, item 9, column B, above) ..........................................................
3. LESS: Charge-offs
(must equal Part I, item 9, column A, above less Schedule RI-B, Part II, item 4) ............................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ...............................
5. Provision for loan and lease losses (must equal Schedule RI, item 4)..........................................
6. Adjustments* (see instructions for this schedule) ....................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) .....................................................................................
Dollar Amounts in Thousands RIAD
1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, above ............................ C435
7.
Amount
M.1.
Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of
the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report
purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ............... C389
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges .......................................................................................................................... C390
M.2.
M.3.
Memorandum item 4 is to be completed by all banks.
M.4.
D
4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3)
(included in Schedule RI-B, Part II, item 7, above)................................................................... C781
03/2017
FFIEC 031
Page 12 of 84
RI-8
Schedule RI-C—Disaggregated Data on the Allowance for Loan and Lease Losses
Schedule RI-C is to be completed by institutions with $1 billion or more in total assets.1
Dollar Amounts in Thousands RCFD
1. Real estate loans:
a. Construction loans .....
b. Commercial
real estate loans ........
c. Residential
real estate loans ........
2. Commercial loans2 .........
3. Credit cards ..................
4. Other consumer loans .....
5. Unallocated, if any..........
6. Total (sum of items
1.a. through 5)3 ................
M708
M714
M721
M727
M733
M739
M746
(Column B)
Allowance Balance:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)
(Column C)
Recorded Investment:
Collectively Evaluated
for Impairment
(ASC 450-20)
(Column D)
Allowance Balance:
Collectively Evaluated
for Impairment
(ASC 450-20)
(Column E)
Recorded Investment:
Purchased
Credit-Impaired Loans
(ASC 310-30)
AF
T
(Column A)
Recorded Investment:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)
Amount
RCFD
Amount
RCFD
Amount
RCFD
Amount
RCFD
Amount
(Column F)
Allowance Balance:
Purchased
Credit-Impaired Loans
(ASC 310-30)
RCFD
Amount
M709
M710
M711
M712
M713
1.a.
M715
M716
M717
M719
M720
1.b.
M722
M723
M724
M725
M726
M728
M729
M730
M731
M732
M734
M740
M735
M741
M736
M742
M745
M737
M743
M738
M744
1.c.
2.
3.
4.
5.
M747
M748
M749
M750
M751
6.
D
R
1. The $1 billion asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.
2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.
3. The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, Part I, Memorandum item 7.b. Item 6, column F, must equal
Schedule RI-B, Part II, Memorandum item 4.
03/2017
FFIEC 031
Page 13 of 84
RI-9
Schedule RI-D—Income from Foreign Offices
and total foreign office assets of $10 billion or more
For all banks with foreign offices (including Edge or Agreement subsidiaries and IBFs) where foreign office revenues, assets,
or net income exceed 10 percent of consolidated total revenues, total assets, or net income.
RIAD
C899
Year-to-date
Amount
C900
C901
C902
C903
C904
C905
C906
C907
T
Dollar Amounts in Thousands
1. Total interest income in foreign offices .................................................................................
2. Total interest expense in foreign offices ...............................................................................
3. Provision for loan and lease losses in foreign offices ..............................................................
4. Noninterest income in foreign offices:
a. Trading revenue ..........................................................................................................
b. Investment banking, advisory, brokerage, and underwriting fees and commissions ....................
c. Net securitization income ...............................................................................................
d. Other noninterest income ..............................................................................................
5. Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices .........
6. Total noninterest expense in foreign offices ..........................................................................
7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect
the effects of equity capital on overall bank funding costs ........................................................
8. Applicable income taxes (on items 1 through 7) .....................................................................
9. Discontinued operations, net of applicable income taxes, in foreign offices..................................
10. Net income attributable to foreign offices before eliminations arising from consolidation
(item 1 plus or minus items 2 through 9) ...............................................................................
11. Not applicable
12. Eliminations arising from the consolidation of foreign offices with domestic offices ........................
13. Consolidated net income attributable to foreign offices (sum of items 10 and 12) ..........................
C908
C909
1.
2.
3.
4.a.
4.b.
4.c.
4.d.
5.
6.
C911
10.
C913
C914
12.
13.
D
R
AF
GW64
7.
8.
9.
09/2016
FFIEC 031
Page 14 of 84
RI-10
Schedule RI-E—Explanations
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all discontinued operations in Schedule RI, and all significant items of
other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Dollar Amounts in Thousands RIAD
C013
C014
C016
4042
C015
T
1. Other noninterest income (from Schedule RI, item 5.l)
7 percent
Itemize and describe amounts greater than $100,000 that exceed 3 percent of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks ........................................................
b. Earnings on/increase in value of cash surrender value of life insurance.................................
c. Income and fees from automated teller machines (ATMs)...................................................
d. Rent and other income from other real estate owned .........................................................
e. Safe deposit box rent ..................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value option.....
f f g. Bank card and credit card interchange fees .....................................................................
h. Gains on bargain purchases.........................................................................................
g i. Income and fees from wire transfers not reportable as service charges on deposit accounts......
h j. TEXT
4461
TEXT
i k. 4462
j l. TEXT
4463
2. Other noninterest expense (from Schedule RI, item 7.d)
7 percent
Itemize and describe amounts greater than $100,000 that exceed 3 percent of Schedule RI, item 7.d:
a. Data processing expenses ...........................................................................................
b. Advertising and marketing expenses ..............................................................................
c. Directors' fees ...........................................................................................................
d. Printing, stationery, and supplies ...................................................................................
e. Postage ...................................................................................................................
f. Legal fees and expenses .............................................................................................
g. FDIC deposit insurance assessments ............................................................................
h. Accounting and auditing expenses ................................................................................
i. Consulting and advisory expenses.................................................................................
j. Automated teller machine (ATM) and interchange expenses ...............................................
k. Telecommunications expenses .....................................................................................
l. Other real estate owned expenses.................................................................................
m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses,
and other real estate owned expenses) ..........................................................................
TEXT
n. 4464
TEXT
o. 4467
TEXT
p. 4468
3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11)
(itemize and describe each discontinued operation):
TEXT
a. (1) FT29
(2) Applicable income tax effect ................................................... FT30
TEXT
b. (1) FT31
(2) Applicable income tax effect ................................................... FT32
Year-to-date
Amount
F229
F555
J447
D
R
AF
T047
4461
4462
4463
C017
0497
4136
C018
8403
4141
4146
F556
F557
F558
F559
Y923
Y924
4464
4467
4468
FT29
FT31
1.a.
1.b.
1.c.
1.d.
1.e.
1. f.
1.g.
1.h.
1. i.
1. j.
1.k.
1. l.
f
g
h
i
j
2.a.
2.b.
2.c.
2.d.
2.e.
2. f.
2.g.
2.h.
2. i.
2. j.
2.k.
2. l.
2.m.
2.n.
2.o.
2.p.
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
03/2017
FFIEC 031
Page 15 of 84
RI-11
Schedule RI-E—Continued
RIAD
Year-to-date
Amount
B526
B527
4.a.
4.b.
4498
4499
5.a.
5.b.
T
Dollar Amounts in Thousands
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors
(from Schedule RI-A, item 2) (itemize and describe all such effects):
TEXT
a. B526
TEXT
b. B527
5. Other transactions with stockholders (including parent holding company)
(from Schedule RI-A, item 11) (itemize and describe all such transactions):
TEXT
a. 4498
TEXT
b. 4499
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, Part II, item 6)
(itemize and describe all adjustments):
TEXT
a. 4521
TEXT
b. 4522
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any
other significant items affecting the Report of Income):
4521
4522
RIAD Yes
No
7.
R
AF
Comments? ..................................................................................................................... 4769
6.a.
6.b.
Other explanations (please type or print clearly):
D
(TEXT 4769)
03/2014
FFIEC 031
Page 16 of 84
RC-1
Consolidated Report of Condition for Insured Banks
June 30,31,
2018
and Savings Associations for March
2017
All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the
last business day of the quarter.
Schedule RC—Balance Sheet
2.c. Equity securities with readily determinable fair values not held for trading7............................ A511
RCFD
Amount
0081
0071
1.a.
1.b.
T
Dollar Amounts in Thousands
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 ..............................................
b. Interest-bearing balances2 .................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) .....................................
b. Available-for-sale securities (from Schedule RC-B, column D) ...................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices .......................................................... RCON
b. Securities purchased under agreements to resell3 ........................................... RCFD
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale ...........................................................................
b. Loans and leases held for investment .......................... B528
c. LESS: Allowance for loan and lease losses ................... 3123
d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c) ................
5. Trading assets (from Schedule RC-D) .....................................................................
6. Premises and fixed assets (including capitalized leases) .............................................
7. Other real estate owned (from Schedule RC-M).........................................................
8. Investments in unconsolidated subsidiaries and associated companies ..........................
9. Direct and indirect investments in real estate ventures ................................................
10. Intangible assets: (from Schedule RC-M)
a. Goodwill.........................................................................................................
b. Other intangible assets (from Schedule RC-M).......................................................
11. Other assets (from Schedule RC-F) ........................................................................
12. Total assets (sum of items 1 through 11) ..................................................................
2.c.
1754
1773
2.a.
2.b.
B987
B989
3.a.
3.b.
RCFD
R
AF
5369
D
Liabilities
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, Part I) .......
(1) Noninterest-bearing4 .................................... RCON 6631
(2) Interest-bearing........................................... RCON 6636
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs
(from Schedule RC-E, Part II) .............................................................................
(1) Noninterest-bearing ..................................... RCFN 6631
(2) Interest-bearing........................................... RCFN 6636
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices5 ................................................ RCON
b. Securities sold under agreements to repurchase6 ........................................... RCFD
15. Trading liabilities (from Schedule RC-D)........................................................... RCFD
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M) ................................................................
17. and 18. Not applicable
B529
3545
2145
2150
2130
3656
2143
3163
0426
2160
2170
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.
10.a. *
10.b.
11.
12.
RCON
2200
13.a.
13.a.(1)
13.a.(2)
RCFN
2200
13.b.
13.b.(1)
13.b.(2)
B993
14.a.
14.b.
15.
B995
3548
RCFD
3190
16.
1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
4. Includes noninterest-bearing demand, time, and savings deposits.
5. Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
6. Includes all securities repurchase agreements in domestic and foreign offices, regardless of maturity.
7. Item 2.c is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity
securities. See the instructions for further detail on ASU 2016-01.
03/2017
* Goodwill (MDRM RCFD3163) is moving to Schedule RC-M.
FFIEC 031
Page 17 of 84
RC-2
Schedule RC—Continued
Dollar Amounts in Thousands RCFD
Liabilities—Continued
19. Subordinated notes and debentures1 ......................................................................... 3200
20. Other liabilities (from Schedule RC-G) ....................................................................... 2930
21. Total liabilities (sum of items 13 through 20) ............................................................... 2948
22. Not applicable
19.
20.
21.
3838
3230
3839
3632
T
Equity Capital
Bank Equity Capital
23. Perpetual preferred stock and related surplus .............................................................
24. Common stock .....................................................................................................
25. Surplus (exclude all surplus related to preferred stock)..................................................
26. a. Retained earnings ..............................................................................................
b. Accumulated other comprehensive income2 ............................................................
c. Other equity capital components3 ..........................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c) ............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries ....................................
28. Total equity capital (sum of items 27.a and 27.b) .........................................................
29. Total liabilities and equity capital (sum of items 21 and 28) ............................................
Amount
B530
A130
3210
R
AF
3000
G105
3300
23.
24.
25.
26.a.
26.b.
26 c.
27.a.
27.b.
28.
29.
Memoranda
To be reported with the March Report of Condition.
1. Indicate in the box at the right the number of the statement below that best describes the most
RCFD
comprehensive level of auditing work performed for the bank by independent external auditors
2017
as of any date during 2016 ...................................................................................................... 6724
D
1a = An integrated audit of the reporting institution's financial
statements and its internal control over financial reporting
conducted in accordance with the standards of the
American Institute of Certified Public Accountants (AICPA)
or Public Company Accounting Oversight Board (PCAOB)
by an independent public accountant that submits a report
on the institution
1b = An audit of the reporting institution's financial statements
only conducted in accordance with the auditing standards
of the AICPA or the PCAOB by an independent public
accountant that submits a report on the institution
2a = An integrated audit of the reporting institution's parent
holding company's consolidated financial statements and
its internal control over financial reporting conducted in
accordance with the standards of the AICPA or the PCAOB
by an independent public accountant that submits a report
on the consolidated holding company (but not on the
institution separately)
Number
M.1.
2b = An audit of the reporting institution's parent holding
company's consolidated financial statements only conducted
in accordance with the auditing standards of the AICPA or
the PCAOB by an independent public accountant that
submits a report on the consolidated holding company (but
not on the institution separately)
3 = This number is not to be used
4 = Directors' examination of the bank conducted in accordance
with generally accepted auditing standards by a certified public
accounting firm (may be required by state-chartering authority)
5 = Directors' examination of the bank performed by other external
auditors (may be required by state-chartering authority)
6 = Review of the bank's financial statements by external auditors
7 = Compilation of the bank's financial statements by external
auditors
8 = Other audit procedures (excluding tax preparation work)
9 = No external audit work
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date (report the date in MMDD format) ........................................................
RCON
8678
Date
M.2.
1. Includes limited-life preferred stock and related surplus.
2. Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges,
cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments.
3. Includes treasury stock and unearned Employee Stock Ownership Plan shares.
03/2017
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Page 18 of 84
RC-3
Schedule RC-A—Cash and Balances Due from Depository Institutions
Exclude assets held for trading.
(Column A)
Consolidated Bank
RCFD
Amount
Amount
RCON
0022
1.
1.a.
1.b.
2.
2.a.
0020
0080
0082
0082
0083
0085
0090
0090
2.b.
3.
3.a.
3.b.
4.
0010
0010
5.
0070
0070
T
Dollar Amounts in Thousands
1. Cash items in process of collection, unposted debits, and currency and coin
a. Cash items in process of collection and unposted debits ........................
b. Currency and coin ..........................................................................
2. Balances due from depository institutions in the U.S. ................................
a. U.S. branches and agencies of foreign banks (including their IBFs) ..........
b. Other commercial banks in the U.S. and other depository institutions in
the U.S. (including their IBFs) ...........................................................
3. Balances due from banks in foreign countries and foreign central banks .......
a. Foreign branches of other U.S. banks ................................................
b. Other banks in foreign countries and foreign central banks .....................
4. Balances due from Federal Reserve Banks ............................................
5. Total (sum of items 1 through 4)
(total of column A must equal Schedule RC, sum of items 1.a and 1.b).........
(Column B)
Domestic Offices
R
AF
0073
0074
Schedule RC-B—Securities
Exclude assets held for trading.
Held-to-maturity
(Column A)
Amortized Cost
RCFD
Amount
RCFD
Amount
(Column C)
Amortized Cost
RCFD
Amount
RCFD
(Column D)
Fair Value
Amount
0211
0213
1286
1287
1.
XXXX
1289
XXXX
1290
XXXX
1291
XXXX
1293
2.a.
1294
1295
1297
1298
2.b.
8496
8497
8498
8499
3.
D
Dollar Amounts in Thousands
1. U.S. Treasury securities .....
2. U.S. Government agency
obligations (exclude
mortgage-backed
securities): 1
a. Issued by U.S.
Government agencies1 ....
b. Issued by U.S.
Government-sponsored
agencies2 .....................
3. Securities issued by states
and political subdivisions in
the U.S............................
Available-for-sale
(Column B)
Fair Value
2.
1. Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Import Bank
participation certificates. ,
2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal
Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the
Student Loan Marketing Association, and the Tennessee Valley Authority.
06/2012
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Page 19 of 84
RC-4
Schedule RC-B—Continued
Held-to-maturity
RCFD
Amount
RCFD
G300
G301
G304
G305
G308
G309
Amount
(Column C)
Amortized Cost
RCFD
G302
Amount
(Column D)
Fair Value
RCFD
G303
Amount
4.a.(1)
G306
G307
4.a.(2)
G310
G311
4.a.(3)
R
AF
Dollar Amounts in Thousands
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA ..............
(2) Issued by FNMA
and FHLMC ........
(3) Other passthrough securities.
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by U.S.
Government
agencies or
sponsored
agencies1 ...........
(2) Collateralized by
MBS issued or
guaranteed by
U.S. Government
agencies or
sponsored
agencies1 ...........
(3) All other
residential MBS ...
c. Commercial MBS
(1) Commercial
mortgage
pass-through
securities:
(a) Issued or
guaranteed by
FNMA,
FHLMC, or
GNMA...........
(b) Other passthrough
securities .......
Available-for-sale
(Column B)
Fair Value
T
(Column A)
Amortized Cost
G313
G314
G315
4.b.(1)
G316
G317
G318
G319
4.b.(2)
G320
G321
G322
G323
4.b.(3)
K142
K143
K144
K145
4.c.(1)(a)
K146
K147
K148
K149
4.c.(1)(b)
D
G312
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
06/2012
FFIEC 031
Page 20 of 84
RC-5
Schedule RC-B—Continued
Held-to-maturity
RCFD
Amount
RCFD
K150
K151
K154
K155
Amount
(Column C)
Amortized Cost
RCFD
Amount
(Column D)
Fair Value
RCFD
Amount
K152
K153
4.c.(2)(a)
K156
K157
4.c.(2)(b)
R
AF
Dollar Amounts in Thousands
4. c. (2) Other commercial
MBS:
(a) Issued or
guaranteed
by U.S.
Government
agencies or
sponsored
agencies1 .......
(b) All other
commercial
MBS .............
5. Asset-backed securities
and structured financial
products:
a. Asset-backed
securities (ABS).......
b. Structured financial
products:
(1) Cash.................
(2) Synthetic ...........
(3) Hybrid ...............
6. Other debt securities:
a. Other domestic debt
securities ...............
b. Other foreign debt
securities ...............
7. Investments in mutual
funds and other equity
securities with readily
determinable fair
,3
values2 ......................
8. Total (sum of items 1
through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D must
equal Schedule RC,
item 2.b) ....................
Available-for-sale
(Column B)
Fair Value
T
(Column A)
Amortized Cost
C988
C989
C027
5.a.
XXXX
G336
G340
G344
XXXX
G337
G341
G345
XXXX
G338
G342
G346
XXXX
G339
G343
G347
5.b.(1)
5.b.(2)
5.b.(3)
1737
1738
1739
1741
6.a.
1742
1743
1744
1746
6.b.
A510
A511
7.
1772
1773
8.
D
C026
1754
1771
5.b
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
2. Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.
3. Item 7 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities. See the instructions for further detail on ASU 2016-01.
03/2014
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Page 21 of 84
RC-6
Schedule RC-B—Continued
Memoranda
Dollar Amounts in Thousands
1. Pledged securities ......................................................................................................
2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1– 4family residential mortgages
with a remaining maturity or next repricing date of:3, 4
(1) Three months or less ............................................................................................
(2) Over three months through 12 months .....................................................................
(3) Over one year through three years ..........................................................................
(4) Over three years through five years .........................................................................
(5) Over five years through 15 years ............................................................................
(6) Over 15 years .....................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential
mortgages with a remaining maturity or next repricing date of:3, 5
(1) Three months or less ............................................................................................
(2) Over three months through 12 months .....................................................................
(3) Over one year through three years ..........................................................................
(4) Over three years through five years .........................................................................
(5) Over five years through 15 years ............................................................................
(6) Over 15 years .....................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of:6
(1) Three years or less ..............................................................................................
(2) Over three years..................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less
(included in Memorandum items 2.a through 2.c above)...................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)....
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule
RC-B, items 2, 3, 5, and 6):
a. Amortized cost ........................................................................................................
b. Fair value ...............................................................................................................
RCFD
Amount
0416
M.1.
A549
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
A550
A551
A552
A553
A554
T
1
R
AF
A555
A556
A557
A558
A559
A560
A561
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A562
M.2.c.(1)
M.2.c.(2)
A248
M.2.d.
1778
M.3.
8782
8783
M.4.a.
M.4.b.
Memorandum item 3 is to be completed semiannually in the June and December reports only.
D
1. Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
2. Exclude investments in mutual funds and other equity securities with readily determinable fair values.
3. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date.
4. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum
item 2.a that are included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D,
plus residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in
Schedule RC-B, item 4.a, columns A and D.
5. Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1 –4 family
residential mortgages included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount
of residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in Schedule
RC-B, item 4.a, columns A and D.
6. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 10, column C,
must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.
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Page 22 of 84
RC-7
Schedule RC-B—Continued
Memorandum items 5.a through 5.f and 6.a through 6.g are to be
1
Memoranda—Continued completed by banks with $10 billion or more in total assets.
Held-to-maturity
Dollar Amounts in Thousands
Memorandum items 5.a
through 5.f are to be
completed by banks with $1
billion or more in total assets.1
Amount
RCFD
B838
B839
B842
B846
B850
B843
B847
B851
B854
B858
Amount
(Column C)
Amortized Cost
RCFD
Amount
(Column D)
Fair Value
RCFD
Amount
B840
B841
B844
B848
B852
B845
B849
B853
M.5.a.
M.5.b.
M.5.c.
M.5.d.
B855
B859
B856
B860
B857
B861
M.5.e.
M.5. f.
G348
G349
G350
G351
M.6.a.
G352
G353
G354
G355
M.6.b.
G356
G357
G358
G359
M.6.c.
G360
G361
G362
G363
M.6.d.
G364
G365
G366
G367
M.6.e.
G368
G369
G370
G371
M.6. f.
G372
G373
G374
G375
M.6.g.
D
R
AF
5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
receivables................
b. Home equity lines .......
c. Automobile loans ........
d. Other consumer loans ...
e. Commercial and
industrial loans ...........
f. Other .......................
6. Structured financial products by underlying collateral or reference assets
(for each column, sum of
Memorandum items 6.a
through 6.g must equal
Schedule RC-B, sum of
items 5.b.(1) through (3)):
a. Trust preferred
securities issued by
financial institutions ....
b. Trust preferred
securities issued
by real estate
investment trusts ........
c. Corporate and
similar loans ..............
d. 1–4 family residential
MBS issued or
guaranteed by U.S.
Governmentsponsored enterprises
(GSEs).....................
e. 1–4 family residential
MBS not issued or
guaranteed by GSEs...
f. Diversified (mixed)
pools of structured
financial products .......
g. Other collateral or
reference assets ........
RCFD
(Column B)
Fair Value
T
(Column A)
Amortized Cost
Available-for-sale
2017, Report of Condition.
1. The $1 billion asset size test is based on the total assets reported on the June 30, 2016,
$10
03/2017
FFIEC 031
Page 23 of 84
RC-8
Schedule RC-C—Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule.
Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income,
and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.
(Column A)
Consolidated
Bank
RCFD
Amount
RCON
1410
Amount
1.
T
Dollar Amounts in Thousands
1. Loans secured by real estate:1 .......................................................
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans..................................
(2) Other construction loans and all land development and other
land loans .........................................................................
b. Secured by farmland
(including farm residential and other improvements) ........................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1 –4 family residential
properties and extended under lines of credit.............................
(2) Closed-end loans secured by 1 –4 family residential properties:
(a) Secured by first liens .......................................................
(b) Secured by junior liens .....................................................
d. Secured by multifamily (5 or more) residential properties..................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties...........................................................................
(2) Loans secured by other nonfarm nonresidential properties ...........
2. Loans to depository institutions and acceptances of other banks:
a. To commercial banks in the U.S. .................................................
(1) To U.S. branches and agencies of foreign banks .......................
(2) To other commercial banks in the U.S......................................
b. To other depository institutions in the U.S. ....................................
c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks ..................................
(2) To other banks in foreign countries .........................................
3. Loans to finance agricultural production and other loans to farmers .......
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ....................................................
b. To non-U.S. addressees (domicile) ..............................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards ............................................................................
b. Other revolving credit plans........................................................
c. Automobile loans .....................................................................
d. Other consumer loans (includes single payment and installment loans
other than automobile loans, and all student loans) .........................
7. Loans to foreign governments and official institutions
(including foreign central banks) .....................................................
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. ................................................................
(Column B)
Domestic
Offices
F158
1.a.(1)
F159
F159
1.a.(2)
1420
1420
1.b.
D
R
AF
F158
1797
1797
1.c.(1)
5367
5367
5368
1460
5368
1460
1.c.(2)(a)
1.c.(2)(b)
1.d.
F160
F161
F160
F161
1.e.(1)
1.e.(2)
B531
B536
B537
1590
1590
2.a.
2.a.(1)
2.a.(2)
2.b.
2.c.
2.c.(1)
2.c.(2)
3.
1763
1764
1763
1764
4.a.
4.b.
B538
B539
K137
B538
B539
K137
6.a.
6.b.
6.c.
K207
K207
6.d.
2081
2081
7.
2107
2107
8.
B532
B533
B534
B534
B535
1. When reporting “Loans secured by real estate,” “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment
purposes in FDIC regulations, should complete items 1.a.(1) through 1.e.(2) in columns A and B (but not item 1 in column A); all other institutions
should complete item 1 in column A and items 1.a.(1) through 1.e.(2) in column B (but not items 1.a.(1) through 1.e.(2) in column A).
03/2014
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Page 24 of 84
RC-9
Schedule RC-C—Continued
(Column A)
Consolidated
Bank
Part I—Continued
Memoranda
RCFD
Amount
RCON
9.
9.a.
J454
1545
J451
9.b.(1)
9.b.(2)
10.
2165
F162
F163
2123
2123
10.a.
10.b.
11.
2122
2122
12.
RCON
R
AF
Dollar Amounts in Thousands
1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule RC-C, Part I, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans in domestic offices:
(1) 1–4 family residential construction loans................................................................
(2) Other construction loans and all land development and other land loans .......................
b. Loans secured by 1 –4 family residential properties in domestic offices .............................
c. Secured by multifamily (5 or more) residential properties in domestic offices ......................
d. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential properties ..........................
(2) Loans secured by other nonfarm nonresidential properties .........................................
e. Commercial and industrial loans:
(1) To U.S. addressees (domicile) .............................................................................
(2) To non-U.S. addressees (domicile) .......................................................................
f. All other loans
(include loans to individuals for household, family, and other personal expenditures)............
Itemize loan categories included in Memorandum item 1.f, above that
exceed 10 percent of total loans restructured in troubled debt
restructurings that are in compliance with their modified terms
(sum of Memorandum items 1.a through 1.f):
(1) Loans secured by farmland in domestic offices ......................
D
Amount
1563
T
Dollar Amounts in Thousands
9. Loans to nondepository financial institutions and other loans: .............
a. Loans to nondepository financial institutions ................................
b. Other loans:
(1) Loans for purchasing or carrying securities
(secured and unsecured) ....................................................
(2) All other loans (exclude consumer loans) ...............................
10. Lease financing receivables (net of unearned income): .....................
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases) ..........................................
b. All other leases......................................................................
11. LESS: Any unearned income on loans reflected in items 1-9 above .....
12. Total loans and leases held for investment and held for sale1
(item 12, column A must equal Schedule RC, sum of items 4.a and 4.b) ..
(Column B)
Domestic
Offices
K158
K159
F576
K160
K161
K162
Amount
M.1.a.(1)
M.1.a.(2)
M.1.b.
M.1.c.
M.1.d.(1)
M.1.d.(2)
RCFD
K163
K164
M.1.e.(1)
M.1.e.(2)
K165
M.1. f.
RCON
K166
M.1. f.(1)
RCFD
(2) Not applicable
(3) Loans to finance agricultural production and other loans
to farmers ....................................................................... K168
(4) Loans to individuals for household, family, and other
personal expenditures:
(a) Credit card.................................................................. K098
(b) Automobile loans ......................................................... K203
(c) Other (includes revolving credit plans other than credit cards,
and other consumer loans) ............................................. K204
g. Total loans restructured in troubled debt restructurings that are in compliance with
their modified terms (sum of Memorandum items 1.a.(1) through 1.f) ......................... HK25
M.1. f.(3)
M.1. f.(4)(a)
M.1. f.(4)(b)
M.1. f.(4)(c)
M.1. g.
1. For “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment purposes in FDIC regulations, item 12, column A,
must equal the sum of items 1.a.(1) through 10.b, column A, less item 11, column A. For all other institutions, item 12, column A, must equal the sum of
item 1 and items 2.a.(1) through 10.b, column A, less item 11, column A. For all institutions, item 12, column B, must equal the sum of items 1.a.(1)
through 10, column B, less item 11, column B.
03/2017
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Page 25 of 84
RC-10
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
RCON
A564
A565
A566
A567
A568
Amount
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
T
Dollar Amounts in Thousands
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1 –4 family residential properties in domestic
offices (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B) with a remaining
maturity or next repricing date of:1, 2
(1) Three months or less .........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years.......................................................................
(5) Over five years through 15 years ..........................................................................
(6) Over 15 years ...................................................................................................
b. All loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column A)
EXCLUDING closed-end loans secured by first liens on 1 –4 family residential properties
in domestic offices (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B) with a
remaining maturity or next repricing date of:1, 3
(1) Three months or less .........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years.......................................................................
(5) Over five years through 15 years ..........................................................................
(6) Over 15 years ...................................................................................................
c. Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column A)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status)....
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, Part I, items 4 and 9, column A4 ........
4. Adjustable-rate closed-end loans secured by first liens on 1 –4 family residential properties in
domestic offices (included in Schedule RC-C, Part I, item 1.c.(2)(a), column B)......................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, Part I,
item 1, column A or Schedule RC-C, Part I, items 1.a.(1) through 1.e.(2), column A, as appropriate) ...
A569
R
AF
RCFD
A570
A574
A575
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A247
M.2.c.
2746
M.3.
A571
A572
A573
RCON
5370
M.4.
RCFD
B837
M.5.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I, item 6.a,
column A ................................................................................................................. C391
M.6.
D
Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of
the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance
Report purposes.
Memorandum item 7 is to be completed by all banks.
7. Purchased credit-impaired loans held for investment accounted for in accordance with FASB
ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance............................................................................................... C779
b. Amount included in Schedule RC-C, Part I, items 1 through 9 ......................................... C780
M.7.a.
M.7.b.
Memorandum items 7.a and 7.b are to be completed semiannually in the June and December reports only.
1. Report fixed-rate loans and leases by remaining maturity and floating-rate loans by next repricing date.
2. Sum of Memorandum items 2.a.(1) through 2.a.(6), plus total nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties in
domestic offices included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1–4 family
residential properties from Schedule RC-C, Part I, item 1.c.(2)(a), column B.
3. Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, item 9, column C,
minus nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices included in Schedule RC-N, item 1.c.
(2)(a), column C, must equal total loans and leases from Schedule RC-C, Part I, sum of items 1 through 10, column A, minus total closed-end loans
secured by first liens on 1–4 family residential properties in domestic offices from Schedule RC-C, Part I, item 1.c.(2)(a), column B.
4. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, item 1, column A.
03/2017
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Page 26 of 84
RC-11
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Memorandum items 8.a, 8.b, and 8.c are to be completed semiannually in the June and December reports only.
Dollar Amounts in Thousands RCON
8. Closed-end loans with negative amortization features secured by 1–4 family residential
properties in domestic offices:
a. Total amount of closed-end loans with negative amortization features secured by 1–4
family residential properties (included in Schedule RC-C, Part I, items 1.c.(2)(a)
and (b)).............................................................................................................. F230
Amount
M.8.a.
T
Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1–4 family residential properties (as reported in
2017, that exceeded the
Schedule RC-C, Part I, Memorandum item 8.a) as of December 31, 2016,
lesser of $100 million or 5 percent of total loans and leases held for investment and held for sale
in domestic offices (as reported in Schedule RC-C, Part I, item 12, column B).
R
AF
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1–4 family residential properties ........................................ F231
c. Total amount of negative amortization on closed-end loans secured by 1–4 family
residential properties included in the amount reported in Memorandum item 8.a
above ................................................................................................................ F232
9. Loans secured by 1–4 family residential properties in domestic offices in process of
foreclosure (included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ............. F577
10. and 11. Not applicable
Memorandum items 12.a, 12.b, 12.c, and 12.d are to be
completed semiannually in the June and December
reports only.
D
Dollar Amounts in Thousands
12. Loans (not subject to the requirements of
FASB ASC 310-30 (former AICPA Statement
of Position 03-3)) and leases held for
investment that were acquired in business
combinations with acquisition dates in the
current calendar year:
a. Loans secured by real estate ...................
b. Commercial and industrial loans ...............
c. Loans to individuals for household, family,
and other personal expenditures................
d. All other loans and all leases ...................
(Column A)
Fair value of acquired
loans and leases at
acquisition date
RCFD
Amount
(Column B)
Gross contractual
amounts receivable
at acquisition date
RCFD
Amount
M.8.b.
M.8.c.
M.9.
(Column C)
Best estimate at
acquisition date of
contractual cash flows
not expected to be
collected
RCFD
Amount
G091
G092
G093
G094
G095
G096
M.12.a.
M.12.b.
G097
G100
G098
G099
G102
M.12.c.
M.12.d.
G101
03/2017
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Page 27 of 84
RC-12
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
RCON
Amount
Memoranda item 13 is to be completed by banks that had construction, land development, and
other land loans in domestic offices (as reported in Schedule RC-C, Part I, item 1.a., column B)
that exceeded 100 percent of total capital (as reported in Schedule RC-R, Part I, item 35.a) as
2017.
of December 31, 2016.
Memorandum item 14 is to be completed by all banks.
T
13. Construction, land development, and other land loans in domestic offices with interest
reserves:
a. Amount of loans that provide for the use of interest reserves
(included in Schedule RC-C, Part I, item 1.a, column B) ............................................... G376
b. Amount of interest capitalized from interest reserves on construction, land development,
RIAD
and other land loans that is included in interest and fee income on loans during the
quarter (included in Schedule RI, item 1.a.(1)(a)(2)) .................................................... G377
M.13.a.
M.13.b.
RCFD
R
AF
14. Pledged loans and leases ......................................................................................... G378
M.14.
Memorandum item 15 is to be completed for the December report only.
RCON
J466
M.15.a.(1)
M.15.a.(2)
J467
Number
J468
J469
J470
J471
M.15.b.(1)
M.15.b.(2)
Amount
M.15.c.(1)
M.15.c.(2)
D
15. Reverse mortgages in domestic offices:
a. Reverse mortgages outstanding that are held for investment
(included in Schedule RC-C, item 1.c, above):
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ................................
(2) Proprietary reverse mortgages ...........................................................................
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ................................
(2) Proprietary reverse mortgages ...........................................................................
c. Principal amount of reverse mortgage originations that have been sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ................................
(2) Proprietary reverse mortgages ...........................................................................
03/2017
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Page 28 of 84
RC-13
Schedule RC-C—Continued
Part II. Loans to Small Businesses and Small Farms
Loans to Small Businesses
1. and 2. Not applicable
T
Report the number and amount currently outstanding as of the report date of business loans with "original amounts" of $1,000,000 or less and
farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan:
(1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan
commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date.
However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently
outstanding on the report date.
(2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit
originated by the lead lender.
(3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report
date, whichever is larger.
(Column B)
Amount Currently
Outstanding
R
AF
(Column A)
Number of Loans
RCON
Number
RCON
Amount
5564
5566
5565
5567
5568
5569
3.a.
3.b.
3.c.
5570
5572
5574
5571
5573
5575
4.a.
4.b.
4.c.
D
Dollar Amounts in Thousands
3. Number and amount currently outstanding of "Loans secured by nonfarm
nonresidential properties" in domestic offices reported in Schedule RC-C,
Part I, items 1.e.(1) and 1.e.(2), column B (sum of items 3.a through 3.c
must be less than or equal to Schedule RC-C, Part I, sum of items 1.e.(1)
and 1.e.(2), column B):
a. With original amounts of $100,000 or less .........................................
b. With original amounts of more than $100,000 through $250,000 ............
c. With original amounts of more than $250,000 through $1,000,000..........
4. Number and amount currently outstanding of "Commercial and industrial
loans to U.S. addressees" in domestic offices reported in Schedule RC-C,
Part I, item 4.a, column B (sum of items 4.a through 4.c must be less than
or equal to Schedule RC-C, Part I, item 4.a, column B):
a. With original amounts of $100,000 or less .........................................
b. With original amounts of more than $100,000 through $250,000 ............
c. With original amounts of more than $250,000 through $1,000,000..........
03/2017
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Page 29 of 84
RC-14
Schedule RC-C—Continued
Part II—Continued
Agricultural Loans to Small Farms
5. and 6. Not applicable
(Column A)
Number of Loans
RCON
Number
RCON
Amount
T
Dollar Amounts in Thousands
7. Number and amount currently outstanding of "Loans secured by farmland
(including farm residential and other improvements)" in domestic offices
reported in Schedule RC-C, Part I, item 1.b, column B
(sum of items 7.a through 7.c must be less than or equal to Schedule RC-C,
Part I, item 1.b, column B):
a. With original amounts of $100,000 or less ...........................................
b. With original amounts of more than $100,000 through $250,000...............
c. With original amounts of more than $250,000 through $500,000 ...............
8. Number and amount currently outstanding of "Loans to finance agricultural
production and other loans to farmers" in domestic offices reported in
Schedule RC-C, Part I, item 3, column B
(sum of items 8.a through 8.c must be less than or equal to Schedule RC-C,
Part I, item 3, column B):
a. With original amounts of $100,000 or less ...........................................
b. With original amounts of more than $100,000 through $250,000...............
c. With original amounts of more than $250,000 through $500,000 ...............
(Column B)
Amount Currently
Outstanding
5579
5581
5582
5583
R
AF
5578
5580
5585
5587
5589
8.a.
8.b.
8.c.
D
5584
5586
5588
7.a.
7.b.
7.c.
03/2017
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Page 30 of 84
RC-15
Schedule RC-D—Trading Assets and Liabilities
Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7)
of $2 million or more in any of the four preceding calendar quarters.
total trading assets of $10 million or more in any of the four preceding
calendar quarters, and all banks meeting the FDIC's definition of a large or
highly complex institution for deposit insurance assessment purposes.
(Column A)
Consolidated Bank
RCFD
Amount
RCON
Amount
3531
3531
1.
3532
3533
3532
3533
2.
3.
T
Dollar Amounts in Thousands
Assets
1. U.S. Treasury securities .........................................................
2. U.S. Government agency obligations
(exclude mortgage-backed securities) .......................................
3. Securities issued by states and political subdivisions in the U.S ......
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or
guaranteed by FNMA, FHLMC, or GNMA ...............................
b. Other residential MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1
(include CMOs, REMICs, and stripped MBS) .............................
c. All other residential MBS .....................................................
d. Commercial MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1 ...........................................
e. All other commercial MBS.....................................................
5. Other debt securities:
a. Structured financial products:
(1) Cash...........................................................................
(2) Synthetic .....................................................................
(3) Hybrid .........................................................................
b. All other debt securities .......................................................
6. Loans:
a. Loans secured by real estate: ...............................................
(1) Construction, land development, and other land loans...........
(2) Secured by farmland
(including farm residential and other improvements)..............
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...
(b) Closed-end loans secured by 1–4 family residential
properties:
(1) Secured by first liens .............................................
(2) Secured by junior liens ..........................................
(4) Secured by multifamily (5 or more) residential properties .......
(5) Secured by nonfarm nonresidential properties .....................
b. Commercial and industrial loans ...........................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards .................................................................
(2) Other revolving credit plans .............................................
(3) Automobile loans...........................................................
(4) Other consumer loans ....................................................
d. Other loans.......................................................................
7.-8. Not applicable
(Column B)
Domestic Offices
G379
4.a.
G380
G380
G381
G381
4.b.
4.c.
D
R
AF
G379
K197
K198
K197
K198
4.d.
4.e.
5.a.
XXXX
G383
G383
G384
G385
G386
G384
G385
G386
5.a.(1)
5.a.(2)
5.a.(3)
5.b.
F604
6.a.
6.a.(1)
F605
6.a.(2)
F606
6.a.(3)(a)
F607
F611
6.a.(3)(b)(1)
6.a.(3)(b)(2)
6.a.(4)
6.a.(5)
6.b.
F610
XXXX
XXXX
F614
F612
F613
F614
6.c.
XXXX
F615
F616
F615
F616
K199
K210
F618
K199
K210
F618
6.c.(1)
6.c.(2)
6.c.(3)
6.c.(4)
6.d.
(1) Loans secured by 1 - 4 family residential properties
(2) All other loans secured by real estate
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
06/2012
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Page 31 of 84
RC-16
Schedule RC-D—Continued
(Column A)
Consolidated Bank
Dollar Amounts in Thousands RCFD
9. Other trading assets ............................................................. 3541
10. Not applicable
11. Derivatives with a positive fair value.......................................... 3543
12. Total trading assets (sum of items 1 through 11)
(total of column A must equal Schedule RC, item 5) ..................... 3545
Memoranda
RCON
Amount
3541
9.
3543
11.
3545
12.
3546
F624
3546
F624
3547
3547
13.a.
13.b.
14.
3548
3548
15.
T
Liabilities
13. a. Liability for short positions..................................................
b. Other trading liabilities ......................................................
14. Derivatives with a negative fair value .......................................
15. Total trading liabilities (sum of items 13.a through 14)
(total of column A must equal Schedule RC, item 15)..................
Amount
(Column B)
Domestic Offices
RCFD
Amount
RCON
Amount
D
R
AF
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-D, items 6.a through 6.d):
a. Loans secured by real estate ...............................................
(1) Construction, land development, and other land loans............
(2) Secured by farmland
(including farm residential and other improvements) ..............
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ....
(b) Closed-end loans secured by 1–4 family residential
properties:
(1) Secured by first liens .............................................
(2) Secured by junior liens...........................................
(4) Secured by multifamily (5 or more) residential properties ........
(5) Secured by nonfarm nonresidential properties
b. Commercial and industrial loans ...........................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards.................................................................
(2) Other revolving credit plans .............................................
(3) Automobile loans ..........................................................
(4) Other consumer loans ...................................................
d. Other loans .....................................................................
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value .......................................................................
b. Unpaid principal balance ....................................................
F790
XXXX
F625
M.1.a.
M.1.a.(1)
XXXX
F626
M.1.a.(2)
F627
M.1.a.(3)(a)
F628
F629
F630
M.1.a.(3)(b)(1)
M.1.a.(3)(b)(2)
M.1.a.(4)
M.1.a.(5)
M.1.b.
F632
F631
F632
XXXX
F633
F634
F633
F634
K200
K200
K211
F636
K211
F636
F639
F639
F640
F640
M.1.c.
M.1.c.(1)
M.1.c.(2)
M.1.c.(3)
M.1.c.(4)
M.1.d.
M.2.a.
M.2.b.
(1) Loans secured by 1 - 4 family residential properties
(2) All other loans secured by real estate
Memorandum items 2.a and 2.b are to be completed by banks with $10 billion or more in total trading assets.
06/2012
FFIEC 031
Page 32 of 84
RC-17
Schedule RC-D—Continued
Memoranda—Continued
Memorandum items 3 through 10 are to be completed by banks with $10 billion or more
in total trading assets.
RCFD
Amount
(Column B)
Domestic Offices
RCON
G299
G299
G332
G333
G332
G333
Amount
M.3.a.
M.3.b.
M.3.c.
T
Dollar Amounts in Thousands
3. Structured financial products by underlying collateral or reference
assets (for each column, sum of Memorandum items 3.a through
3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions .....................
b. Trust preferred securities issued by real estate investment trusts ..........
c. Corporate and similar loans...........................................................
d. 1–4 family residential MBS issued or guaranteed by U.S.
government-sponsored enterprises (GSEs) ......................................
e. 1–4 family residential MBS not issued or guaranteed by GSEs ............
f. Diversified (mixed) pools of structured financial products .....................
g. Other collateral or reference assets ................................................
4. Pledged trading assets:
a. Pledged securities.......................................................................
b. Pledged loans ............................................................................
(Column A)
Consolidated Bank
G334
G335
G651
G652
G651
G652
G387
G387
G388
G388
R
AF
G334
G335
M.3.d.
M.3.e.
M.3. f.
M.3.g.
M.4.a.
M.4.b.
Memorandum items 5 through 10 are to be completed by banks that reported average trading assets (Schedule RC-K, item 7)
of $1 billion or more in any of the four preceding calendar quarters.
D
Dollar Amounts in Thousands
5. Asset-backed securities:
a. Credit card receivables ................................................................................................
b. Home equity lines .......................................................................................................
c. Automobile loans ........................................................................................................
d. Other consumer loans..................................................................................................
e. Commercial and industrial loans ....................................................................................
f. Other ........................................................................................................................
Not applicable
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ...............................
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values ....................................................................................
b. Other........................................................................................................................
8. Loans pending securitization ............................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $1,000,000 and exceed 25 percent of the item):1
TEXT
a. F655
TEXT
b. F656
TEXT
c. F657
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b,
that are greater than $1,000,000 and exceed 25 percent of the item):
TEXT
a. F658
TEXT
b. F659
TEXT
c. F660
RCFD
F643
F644
F645
F646
F647
F648
F651
F652
F653
F654
F655
F656
Amount
M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5. f.
M.6.
M.7.a.
M.7.b.
M.8.
F657
M.9.a.
M.9.b.
M.9.c.
F658
F659
F660
M.10.a.
M.10.b.
M.10.c.
1. Exclude equity securities.
09/2016
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Page 33 of 84
RC-18
Schedule RC-E—Deposit Liabilities
Part I. Deposits in Domestic Offices
Transaction Accounts
(Column A)
Total Transaction
Accounts (Including
Total Demand
Deposits)
RCON
Amount
(Column B)
Memo: Total
Demand Deposits1
(Included In
Column A)
RCON
Amount
(Column C)
Total
Nontransaction
Accounts
(Including MMDAs)
RCON
B549
B550
2202
2520
B551
2213
2216
2530
B552
2236
4.
5.
2377
6.
T
2203
2215
Amount
1.
2.
3.
R
AF
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations .....
2. U.S. Government ......................................
3. States and political subdivisions in the U.S. ....
4. Commercial banks and other depository
institutions in the U.S. ................................
5. Banks in foreign countries ...........................
6. Foreign governments and official institutions
(including foreign central banks) ...................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ................................................
Nontransaction
Accounts
2210
2385
7.
Memoranda
D
Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .............................
b. Total brokered deposits ...........................................................................................
c. Brokered deposits of $250,000 or less (fully insured brokered deposits)2 ....................
d. Maturity data for brokered deposits:
(1) Brokered deposits of $250,000 or less with a remaining maturity of one year or
less (included in Memorandum item 1.c above) ...................................................
(2) Not applicable
(3) Brokered deposits of more than $250,000 with a remaining maturity of one year or
less (included in Memorandum item 1.b above) .......................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) ............................................................
f. Estimated amount of deposits obtained through the use of deposit listing services
that are not brokered deposits ..................................................................................
RCON
Amount
6835
2365
HK05
M.1.a.
M.1.b.
M.1.c.
HK06
M.1.d.(1)
K220
M.1.d.(3)
5590
M.1.e.
K223
M.1. f.
1. Includes interest-bearing and noninterest-bearing demand deposits.
2. The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limits in effect on the report date.
03/2017
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Page 34 of 84
RC-19
Schedule RC-E—Continued
Part I—Continued
Memoranda—Continued
Amount
RCON
6810
0352
6648
J473
J474
M.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
M.2.d.
F233
M.2.e.
HK07
HK08
HK09
HK10
M.3.a.(1)
M.3.a.(2)
M.3.a.(3)
M.3.a.(4)
HK11
M.3.b.
HK12
HK13
HK14
HK15
M.4.a.(1)
M.4.a.(2)
M.4.a.(3)
M.4.a.(4)
K222
M.4.b.
R
AF
T
Dollar Amounts in Thousands
2. Components of total nontransaction accounts
(sum of Memorandum items 2.a through 2.d must equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) ...............................................................
(2) Other savings deposits (excludes MMDAs) ..............................................................
b. Total time deposits of less than $100,000 ....................................................................
c. Total time deposits of $100,000 through $250,000 .........................................................
d. Total time deposits of more than $250,000 ...................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above .........................................................
3. Maturity and repricing data for time deposits of $250,000 or less:
a. Time deposits of $250,000 or less with a remaining maturity or next repricing date of:1, 2
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years .........................................................................
(4) Over three years ................................................................................................
b. Time deposits of $250,000 or less with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 .............................................
4. Maturity and repricing data for time deposits of more than $250,000:
a. Time deposits of more than $250,000 with a remaining maturity or next repricing date of:1, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years .........................................................................
(4) Over three years ................................................................................................
b. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 .............................................
5. Does your institution offer one or more consumer deposit account products, i.e., transaction
account or nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use? ............................................................
RCON
Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total
assets5 that answered “Yes” to Memorandum item 5 above.
Dollar Amounts in Thousands RCON
6. Components of total transaction account deposits of individuals, partnerships, and corporations
(sum of Memorandum items 6.a and 6.b must be less than or equal to item 1, column A, above):
a. Total deposits in those noninterest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P753
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P754
D
Yes
No
P752
M.5.
Amount
M.6.a.
M.6.b.
1. Report fixed-rate time deposits by remaining maturity and floating-rate time deposits by next repricing date.
2. Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.b and 2.c.
3. Report both fixed- and floating-rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date
of one year or less that have a remaining maturity of over one year.
4. Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.d.
5. The $1 billion asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.
03/2017
FFIEC 031
Page 35 of 84
RC-20
Schedule RC-E—Continued
Part I—Continued
Memoranda—Continued
RCON
Amount
T
Dollar Amounts in Thousands
7. Components of total nontransaction account deposits of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time deposits of individuals,
partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Memorandum
item 2.a.(1) above):
(1) Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use ....................................................................
(2) Deposits in all other MMDAs of individuals, partnerships, and corporations ....................
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of
Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item
2.a.(2) above):
(1) Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use.....................................
(2) Deposits in all other savings deposit accounts of individuals, partnerships, and corporations ...
P756
M.7.a.(1)
M.7.a.(2)
P757
R
AF
P758
M.7.b.(1)
M.7.b.(2)
P759
Part II. Deposits in Foreign Offices (including Edge and Agreement subsidiaries and IBFs)
Items 1 through 6 are to be completed by banks with $10 billion or more in total assets.1
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations (include all certified and official checks) .................
2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository
institutions ................................................................................................................
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .....
4. Foreign governments and official institutions (including foreign central banks).........................
5. U.S. Government and states and political subdivisions in the U.S. ........................................
6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b) ..................................
RCFN
Amount
B553
1.
B554
2625
2.
3.
4.
5.
6.
2650
B555
2200
Memorandum
Memorandum item 1 is to be completed by all banks.
D
Dollar Amounts in Thousands RCFN
1. Time deposits with a remaining maturity of one year or less (included in Schedule RC, item 13.b) .. A245
Amount
M.1.
2017, Report of Condition.
1. The $10 billion asset size test is based on the total assets reported on the June 30, 2016,
03/2017
FFIEC 031
Page 36 of 84
RC-21
Schedule RC-F—Other Assets
Dollar Amounts in Thousands
1. Accrued interest receivable ..............................................................................................
2. Net deferred tax assets2 ...................................................................................................
3. Interest-only strips receivable (not in the form of a security)3 on:
a. Mortgage loans ...........................................................................................................
b. Other financial assets ...................................................................................................
4. Equity securities that DO NOT have readily determinable fair values4 .........................................
investments without
5. Life insurance assets:
a. General account life insurance assets ..............................................................................
b. Separate account life insurance assets.............................................................................
c. Hybrid account life insurance assets ................................................................................
6. All other assets (itemize and describe amounts greater than $100,000 that exceed 25 percent
of this item) ....................................................................................................................
a. Prepaid expenses ........................................................................ 2166
b. Repossessed personal property (including vehicles) ........................... 1578
c. Derivatives with a positive fair value held for purposes other than
trading ....................................................................................... C010
d. Retained interests in accrued interest receivable related to securitized
credit cards................................................................................. C436
e. FDIC loss-sharing indemnification assets .......................................... J448
d.
e.f. Computer software ....................................................................... FT33
f.g. Accounts receivable ..................................................................... FT34
h. Receivables from foreclosed government-guaranteed mortgage loans .... FT35
g.
3549
h.i. TEXT
3549
TEXT
3550
i.j. 3550
TEXT
3551
j.k. 3551
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) .........................................
RCFD
Amount
B556
2148
A519
A520
1.
2.
XXXX
1752
K201
2168
R
AF
3.a.
3.b.
4.
5.a.
5.b.
5.c.
K202
K270
T
1
2160
6.
6.a.
6.b.
6.c.
6.d.
6.e.
d.
6. e.
f.
6.g.
f.
6.h.
g.
6. h.
i.
6. i.
j.
6.k.
j.
7.
Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands RCON
1. a. Interest accrued and unpaid on deposits in domestic offices5 ................................................ 3645
Amount
1.a.
RCFD
D
b. Other expenses accrued and unpaid (includes accrued income taxes payable).........................
2. Net deferred tax liabilities2 .................................................................................................
3. Allowance for credit losses on off-balance-sheet credit exposures .............................................
4. All other liabilities (itemize and describe amounts greater than $100,000 that exceed 25 percent
of this item) ....................................................................................................................
a. Accounts payable ........................................................................ 3066
b. Deferred compensation liabilities ..................................................... C011
c. Dividends declared but not yet payable............................................. 2932
d. Derivatives with a negative fair value held for purposes other than
trading ....................................................................................... C012
TEXT
3552
e. 3552
TEXT
3553
f. 3553
TEXT
3554
g. 3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) .........................................
3646
3049
B557
1.b.
2.
3.
2938
4.
4.a.
4.b.
4.c.
2930
4.d.
4.e.
4. f.
4.g.
5.
1. Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
3. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in
Schedule RC, item 5, as appropriate.
4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
5. For savings banks, include "dividends" accrued and unpaid on deposits.
09/2016
FFIEC 031
Page 37 of 84
RC-22
Schedule RC-H—Selected Balance Sheet Items for Domestic Offices
To be completed only by banks with foreign offices.
Domestic Offices
Dollar Amounts in Thousands
Amount
B989
B995
3190
3.
4.
5.
2163
6.
2941
7.
2192
8.
3129
9.
T
1. and 2. Not applicable
3. Securities purchased under agreements to resell ...............................................................
4. Securities sold under agreements to repurchase................................................................
5. Other borrowed money .................................................................................................
EITHER
6. Net due from own foreign offices, Edge and agreement subsidiaries, and IBFs ........................
OR
7. Net due to own foreign offices, Edge and agreement subsidiaries, and IBFs............................
8. Total assets
(excludes net due from foreign offices, Edge and agreement subsidiaries, and IBFs).................
9. Total liabilities
(excludes net due to foreign offices, Edge and agreement subsidiaries, and IBFs) ....................
RCON
(Column B)
Fair Value of
Available-for-Sale
Securities
R
AF
(Column A)
Amortized Cost of
Held-to-Maturity
Securities
D
Dollar Amounts in Thousands
10. U.S. Treasury securities ...............................................................
11. U.S. Government agency obligations
(exclude mortgage-backed securities) .............................................
12. Securities issued by states and political subdivisions in the U.S. ...........
13. Mortgage-backed securities (MBS):
a. Mortgage pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA ....................
(2) Other mortgage pass-through securities ...................................
b. Other mortgage-backed securities
(include CMOs, REMICs, and stripped MBS):
(1) Issued or guaranteed by U.S. Government agencies or
sponsored agencies1 ............................................................
(2) All other mortgage-backed securities .......................................
14. Other domestic debt securities (include domestic structured financial
products and domestic asset-backed securities) ................................
15. Other foreign debt securities (include foreign structured financial
products and foreign asset-backed securities) ...................................
16. Investments in mutual funds and other equity securities with readily
2
determinable fair values................................................................
17. Total held-to-maturity and available-for-sale securities
(sum of items 10 through 16) .........................................................
RCON
Amount
RCON
Amount
0211
1287
10.
8492
8496
8495
8499
11.
12.
G389
G390
1709
1713
13.a.(1)
13.a.(2)
G393
1733
G394
1736
13.b.(1)
13.b.(2)
G397
G398
14.
G399
G400
15.
A511
16.
1773
17.
1754
Replace item 18 with INSERT B
RCON
Amount
18. Equity securities that do not have readily determinable fair values ......................................... 1752
18.
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
2. Item 16 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities. See the instructions for further detail on ASU 2016-01.
Items 19, 20 and 21 are to be completed by banks that reported total trading assets of $10 million or more in
any of the four preceding calendar quarters and all banks meeting the FDIC's definition of a large or highly
complex institution for deposit insurance assessment purposes.
RCON
Amount
3545
19. Total trading assets..........................................................................................................................................
20. Total trading liabilities...................................................................................................................................... 3548
21. Total loans held for trading............................................................................................................................... XXXX
Item 22 INSERT C
03/2014
INSERT B
SCHEDULE RC-H, REVISED ITEM 18
18.
Equity securities that do not have readily
determinable fair values investments not held for
trading:
values3
3
18.
A511
18.a.
1752
18.b.
T
a. Equity securities with readily determinable fair
b. Equity investments without readily determinable
fair values ....................................................................
1752
Item 18.a is to be completed only by institutions that have adopted ASU 2016-01. See the instructions for further
D
R
AF
detail on ASU 2016-01.
INSERT C
SCHEDULE RC-H, ITEM 22
Item 22 is to be completed by banks that: (1) have elected to report financial
instruments or servicing assets and liabilities at fair value under a fair value option
with changes in fair value recognized in earnings, or (2) are required to complete
Schedule RC-D, Trading Assets and Liabilities.
RCON
XXXX
Amount
D
R
AF
T
22. Total amount of fair value option loans held for investment and held for sale....
FFIEC 031
Page 38 of 84
RC-23
Schedule RC-I—Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offices.
Dollar Amounts in Thousands RCFN
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ................... 2133
2. Total IBF liabilities (component of Schedule RC, item 21) .................................................. 2898
Amount
1.
2.
Schedule RC-K—Quarterly Averages1
Item 7 is to be completed by banks with total trading assets of $10 million or more in any of the four
preceding calendar quarters and all banks meeting the FDIC's definition of a large or highly complex
Dollar Amounts in Thousands RCFD
institution for deposit insurance assessment purposes.
3381
1.
B558
2.
3.
T
Assets
1. Interest-bearing balances due from depository institutions .........................................
2. U.S. Treasury securities and U.S. Government agency obligations2
(excluding mortgage-backed securities) .................................................................
3. Mortgage-backed securities2 ................................................................................
2, 3
2 and equity securities with readily determinable
4. All other debt
securities
securities
fair
values
not
held
for
trading
purposes
(includes securities issued by states
and3 political subdivisions in the U.S.) ....................
5. Federal funds sold and securities purchased under agreements to resell ......................
6. Loans:
a. Loans in domestic offices:
(1) Total loans ...............................................................................................
(2) Loans secured by real estate:
(a) Loans secured by 1– 4 family residential properties ......................................
(b) All other loans secured by real estate ........................................................
(3) Loans to finance agricultural production and other loans to farmers .....................
(4) Commercial and industrial loans ...................................................................
(5) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .........................................................................................
(b) Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans) ......................................................................
b. Total loans in foreign offices, Edge and agreement subsidiaries, and IBFs......... RCFN
7. Trading assets .......................................................................................... RCFD
8. Lease financing receivables (net of unearned income) ...................................... RCFD
9. Total assets4 ............................................................................................ RCFD
Amount
B559
B560
R
AF
D
Liabilities
10. Interest-bearing transaction accounts in domestic offices (interest-bearing demand deposits,
NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) .............
11. Nontransaction accounts in domestic offices:
a. Savings deposits (includes MMDAs) ..................................................................
b. Time deposits of $250,000 or less ..................................................................
c. Time deposits of more than $250,000 ..............................................................
12. Interest-bearing deposits in foreign offices, Edge and agreement subsidiaries,
and IBFs ................................................................................................. RCFN
13. Federal funds purchased and securities sold under agreements to repurchase ...... RCFD
14. Other borrowed money
(includes mortgage indebtedness and obligations under capitalized leases) .......... RCFD
4.
5.
3365
RCON
3360
6.a.(1)
3465
3466
3386
3387
6.a.(2)(a)
6.a.(2)(b)
6.a.(3)
6.a.(4)
B561
6.a.(5)(a)
B562
3360
3401
6.a.(5)(b)
6.b.
7.
8.
9.
3484
3368
RCON
3485
10.
B563
HK16
HK17
11.a
11.b
11.c.
3404
3353
12.
13.
3355
14.
1. For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2. Quarterly averages for all debt securities should be based on amortized cost.
3. Quarterly averages for all equity securities should be based on historical cost.
4. The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.
Replace footnotes 3 and 4 with INSERT D
03/2017
INSERT D
SCHEDULE RC-K, REVISED FOOTNOTES 3 AND 4 FOR ITEMS 4 AND 9
3 For
institutions that have adopted ASU 2016-01, which includes provisions governing
the accounting for investments in equity securities, quarterly averages for equity
securities with readily determinable fair values should be based on fair value. For
institutions that have not adopted ASU 2016-01, quarterly averages for equity securities
with readily determinable fair values should be based on historical cost.
4 The
D
R
AF
•
Debt securities at amortized cost.
For institutions that have adopted ASU 2016-01, equity securities with readily determinable fair values at fair
value. For institutions that have not adopted ASU 2016-01, equity securities with readily determinable fair
values at the lower of cost or fair value.
For institutions that have adopted ASU 2016-01, equity investments without readily determinable fair values, their
balance sheet carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus
changes resulting from observable price changes). For institutions that have not adopted ASU 2016-01, equity
investments without readily determinable fair values at historical cost.
T
•
•
quarterly average for total assets should reflect securities not held for trading as follows:
FFIEC 031
Page 39 of 84
RC-24
Schedule RC-L—Derivatives and Off-Balance-Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L
are regarded as volume indicators and not necessarily as measures of risk.
Unused commitments for reverse mortgages outstanding that are held for investment in domestic offices
Dollar Amounts in Thousands
RCFD
Amount
1. Unused commitments:
a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home-equity
lines .................................................................................................................... 3814
is
1.a.
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.
1.a.(1)
1.a.(2)
T
RCON
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages
outstanding that are held for investment in domestic offices (included in item 1.a above) ....... J477 XXXX
(2) Unused commitments for proprietary reverse mortgages outstanding that are held
for investment in domestic offices (included in item 1.a. above)................................... J478
RCFD
Items 1.b.(1) and 1.b.(2) are to be completed semiannually in the June and December reports only.
b. Credit card lines .................................................................................................... 3815
1.b.
Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 million or more in
total assets or $300 million or more in credit card lines.1
(Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)
J455
J456
1.b.(1)
1.b.(2)
F164
1.c.(1)(a)
F165
6550
1.c.(1)(b)
1.c.(2)
1.d.
R
AF
(1) Unused consumer credit card lines .......................................................................
(2) Other unused credit card lines..............................................................................
c. Commitments to fund commercial real estate, construction, and land development loans:
(1) Secured by real estate:
(a) 1–4 family residential construction loan commitments...........................................
(b) Commercial real estate, other construction loan, and land development loan
commitments ...............................................................................................
(2) NOT secured by real estate .................................................................................
d. Securities underwriting ............................................................................................
e. Other unused commitments:
(1) Commercial and industrial loans ...........................................................................
(2) Loans to financial institutions ...............................................................................
(3) All other unused commitments .............................................................................
2. Financial standby letters of credit..................................................................................
3817
J457
J458
J459
3819
1.e.(1)
1.e.(2)
1.e.(3)
2.
Item 2.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of financial standby letters of credit conveyed to others....... 3820
3. Performance standby letters of credit ............................................................................ 3821
2.a.
3.
Item 3.a is to be completed by banks with $1 billion or more in total assets.1
D
a. Amount of performance standby letters of credit conveyed to others ..... 3822
4. Commercial and similar letters of credit.......................................................................... 3411
5. Not applicable
6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified against
loss by the reporting bank)......................................................................................... 3433
b. Securities borrowed ................................................................................................. 3432
7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps ..........................
(2) Total return swaps .............................
(3) Credit options ...................................
(4) Other credit derivatives .......................
(Column A)
Sold Protection
RCFD
Amount
3.a.
4.
6.a.
6.b.
(Column B)
Purchased Protection
RCFD
C968
C969
C970
C971
C972
C974
C973
C975
Amount
7.a.(1)
7.a.(2)
7.a.(3)
7.a.(4)
1. The asset size test and the $300 million credit card lines test are based on the total assets and credit card lines reported in the
2017, Report of Condition.
June 30, 2016,
03/2017
FFIEC 031
Page 40 of 84
RC-25
Schedule RC-L—Continued
(Column A)
Sold Protection
Dollar Amounts in Thousands RCFD
7. b. Gross fair values:
(1) Gross positive fair value ....................... C219
(2) Gross negative fair value ...................... C220
Amount
(Column B)
Purchased Protection
RCFD
Amount
C221
C222
7.b.(1)
7.b.(2)
RCFD
Amount
G401
7.c.(1)(a)
7.c.(1)(b)
G402
T
7. c. Notional amounts by regulatory capital treatment:1
(1) Positions covered under the Market Risk Rule:
(a) Sold protection...............................................................................................
(b) Purchased protection ......................................................................................
(2) All other positions:
(a) Sold protection...............................................................................................
(b) Purchased protection that is recognized as a guarantee for regulatory capital
purposes ......................................................................................................
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes ......................................................................................................
G403
7.c.(2)(a)
G404
7.c.(2)(b)
G405
7.c.(2)(c)
R
AF
Remaining Maturity of:
(Column A)
One Year or Less
Dollar Amounts in Thousands
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:2
(a) Investment grade ...........................
(b) Subinvestment grade ......................
(2) Purchased credit protection:3
(a) Investment grade ...........................
(b) Subinvestment grade ......................
RCFD
Amount
(Column B)
Over One Year
Through Five Years
RCFD
Amount
(Column C)
Over Five Years
RCFD
G406
G409
G407
G410
G408
G411
7.d.(1)(a)
7.d.(1)(b)
G412
G415
G413
G416
G414
G417
7.d.(2)(a)
7.d.(2)(b)
RCFD
8. Spot foreign exchange contracts ................................................................................ 8765
9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") ..... 3430
a. Not applicable
b. Commitments to purchase when-issued securities ......................
c. Standby letters of credit issued by another party
(e.g., a Federal Home Loan Bank) on the bank's behalf ...............
TEXT
d. 3555
TEXT
e. 3556
TEXT
f. 3557
10. All other off-balance-sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25 percent of Schedule
RC, item 27.a, "Total bank equity capital") ....................................
a. Commitments to sell when-issued securities ..............................
TEXT
b. 5592
TEXT
c. 5593
TEXT
d. 5594
TEXT
e. 5595
D
Amount
Amount
8.
9.
3434
9.b.
C978
3555
3556
9.c.
9.d.
9.e.
9. f.
3557
5591
3435
5592
5593
5594
5595
10.
10.a.
10.b.
10.c.
10.d.
10.e.
1. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must
equal sum of items 7.a.(1) through (4), column B.
2. Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
3. Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.
03/2015
FFIEC 031
Page 41 of 84
RC-26
Schedule RC-L—Continued
Items 11.a and 11.b are to be completed semiannually in the June and December reports only.
Dollar Amounts in Thousands RCFD
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank ............................................ C223
b. Sales for which the reporting bank is the agent bank with risk ..................................... C224
(Column A)
Interest Rate
Contracts
(Column B)
Foreign Exchange
Contracts
(Column C)
Equity Derivative
Contracts
(Column D)
Commodity and Other
Contracts
Amount
Amount
Amount
Amount
RCFD 8693
RCFD 8694
RCFD 8695
RCFD 8696
RCFD 8697
RCFD 8698
RCFD 8699
RCFD 8700
R
AF
b. Forward contracts .....
c. Exchange-traded
option contracts:
(1) Written options.....
11.a.
11.b.
T
Dollar Amounts in Thousands
Derivatives Position Indicators
12. Gross amounts (e.g.,
notional amounts) (for each
column, sum of items 12.a
through 12.e must equal
sum of items 13 and 14):
a. Futures contracts ......
Amount
(2) Purchased options
d. Over-the-counter
option contracts:
(1) Written options.....
RCFD 8701
RCFD 8702
RCFD 8703
RCFD 8704
RCFD 8705
RCFD 8706
RCFD 8707
RCFD 8708
12.c.(2)
RCFD 8709
RCFD 8710
RCFD 8711
RCFD 8712
RCFD 8713
RCFD 8714
RCFD 8715
RCFD 8716
RCFD 3450
RCFD 3826
RCFD 8719
RCFD 8720
RCFD A126
D
RCFD 8725
RCFD A127
RCFD 8726
RCFD 8723
RCFD 8727
12.b.
12.c.(1)
12.d.(1)
(2) Purchased options..
e. Swaps ....................
13. Total gross notional
amount of derivative
contracts held for trading .
14. Total gross notional
amount of derivative
contracts held for
purposes other than
trading .......................
a. Interest rate swaps
where the bank has
agreed to pay a fixed
rate ........................
15. Gross fair values of
derivative contracts:
a. Contracts held for trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................
b. Contracts held for
purposes other than
trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................
12.a.
12.d.(2)
12.e.
RCFD 8724
13.
RCFD 8728
14.
RCFD A589
14.a.
RCFD 8733
RCFD 8734
RCFD 8735
RCFD 8736
RCFD 8737
RCFD 8738
RCFD 8739
RCFD 8740
15.a.(1)
15.a.(2)
RCFD 8741
RCFD 8742
RCFD 8743
RCFD 8744
RCFD 8745
RCFD 8746
RCFD 8747
RCFD 8748
15.b.(1)
15.b.(2)
03/2015
FFIEC 031
Page 42 of 84
RC-27
Schedule RC-L—Continued
Item 16 is to be completed only by banks with total assets of $10 billion or more.1
(Column A)
Banks and Securities
Firms
RCFD
Amount
RCFD
Amount
(Column C)
Hedge Funds
RCFD
Amount
(Column D)
Sovereign Governments
RCFD
Amount
(Column E)
Corporations and All
Other Counterparties
RCFD
AF
T
Dollar Amounts in Thousands
16. Over-the-counter derivatives:
a. Net current credit exposure ...................
b. Fair value of collateral: .........................
(1) Cash–U.S. dollar ............................
(2) Cash–Other currencies ....................
(3) U.S. Treasury securities...................
(4) U.S. Government agency and U.S.
Government-sponsored agency debt
securities ......................................
(5) Corporate bonds ............................
(6) Equity securities .............................
(7) All other collateral ...........................
(8) Total fair value of collateral
(sum of items 16.b.(1) through (7)) .....
(Column B)
Monoline Financial
Guarantors
Amount
G418
G419
G420
G421
G422
16.a.
G423
G428
G433
G424
G429
G434
G425
G430
G435
G426
G431
G436
G427
G432
G437
16.b.(1)
16.b.(2)
16.b.(3)
G438
G439
G440
G441
G442
G443
G448
G453
G444
G449
G454
G445
G450
G455
G446
G451
G456
G447
G452
G457
16.b.(4)
16.b.(5)
16.b.(6)
16.b.(7)
G458
G459
G460
G461
G462
16.b.(8)
D
R
1. The $10 billion asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.
03/2017
FFIEC 031
Page 43 of 84
RC-28
Schedule RC-M—Memoranda
RCFD
6164
Amount
1.a.
1.b.
3164
2.a.
2.a.(1)
2.b.
2.c.
2.d.
T
Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests .....................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount of
all extensions of credit by the reporting bank (including extensions of credit to
Number
related interests) equals or exceeds the lesser of $500,000 or 5 percent of
total capital as defined for this purpose in agency regulations ................. 6165
2. Intangible assets other than goodwill:
a. Mortgage servicing assets .......................................................................................
(1) Estimated fair value of mortgage servicing assets .................... A590
Goodwill
b. Purchased credit card relationships and nonmortgage servicing assets .............................
c. All other identifiable intangible assets .........................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) .......................
3. Other real estate owned:
a. Construction, land development, and other land in domestic offices..................................
b. Farmland in domestic offices ....................................................................................
c. 1–4 family residential properties in domestic offices ......................................................
d. Multifamily (5 or more) residential properties in domestic offices ......................................
e. Nonfarm nonresidential properties in domestic offices ...................................................
Not applicable
f. Foreclosed properties from "GNMA loans"...................................................................
B026
3163
5507
2143
0426
RCON
R
AF
5508
5509
5510
5511
5512
C979
3.a.
3.b.
3.c.
3.d.
3.e.
3. f. *
RCFN
f.g. In foreign offices .................................................................................................... 5513
f.
3.g.
RCFD
g.
h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7) ............................. 2150
D
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less ..........................................................................................
(b) Over one year through three years...................................................................
(c) Over three years through five years..................................................................
(d) Over five years ............................................................................................
(2) Advances with a REMAINING MATURITY of one year or less
(included in item 5.a.(1)(a) above)2 ........................................................................
(3) Structured advances (included in items 5.a.(1)(a) - (d) above)....................................
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less ..........................................................................................
(b) Over one year through three years...................................................................
(c) Over three years through five years..................................................................
(d) Over five years ............................................................................................
(2) Other borrowings with a REMAINING MATURITY of one year or less
(included in item 5.b.(1)(a) above)4 ........................................................................
c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d))
(must equal Schedule RC, item 16) ...........................................................................
F055
g.
3.h.
F056
F057
F058
5.a.(1)(a)
5.a.(1)(b)
5.a.(1)(c)
5.a.(1)(d)
2651
F059
5.a.(2)
5.a.(3)
F060
F061
F062
F063
5.b.(1)(a)
5.b.(1)(b)
5.b.(1)(c)
5.b.(1)(d)
B571
5.b.(2)
3190
5.c.
1. Report fixed-rate advances by remaining maturity and floating-rate advances by next repricing date.
2. Report both fixed- and floating-rate advances by remaining maturity. Exclude floating-rate advances with a next repricing date of one year or less that
have a remaining maturity of over one year.
3. Report fixed-rate other borrowings by remaining maturity and floating-rate other borrowings by next repricing date.
4. Report both fixed- and floating-rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one
year or less that have a remaining maturity of over one year.
* Amounts previously reported in item 3.f will be included in item 3.c.
06/2012
FFIEC 031
Page 44 of 84
RC-29
Schedule RC-M—Continued
Dollar Amounts in Thousands RCFD Yes
6. Does the reporting bank sell private label or third-party mutual funds and annuities? ........... B569
RCFD
No
6.
Amount
7. Assets under the reporting bank's management in proprietary mutual funds and annuities.......... B570
8. Internet website addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution’s primary Internet website (home page), if any
(Example: www.examplebank.com):
TEXT
http://
4087
7.
8.a.
8.b.(1)
8.b.(2)
8.b.(3)
8.b.(4)
8.b.(5)
8.b.(6)
8.b.(7)
8.b.(8)
8.b.(9)
8.b.(10)
R
AF
T
b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit deposits from
the public, if any (Example: www.examplebank.biz):1
TE01
http://
(1)
N528
TE02
http://
(2)
N528
TE03
http://
(3)
N528
TE04
http://
(4)
N528
TE05
http://
(5)
N528
TE06
http://
(6)
N528
TE07
http://
(7)
N528
TE08
http://
(8)
N528
TE09
http://
(9)
N528
TE10
(10) N528 http://
c. Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s physical
offices at which deposits are accepted or solicited from the public, if any:
TE01
(1)
N529
TE02
(2)
N529
TE03
(3)
N529
TE04
(4)
N529
TE05
(5)
N529
TE06
(6)
N529
Item 9 is to be completed annually in the December report only.
RCFD Yes
9. Do any of the bank's Internet websites have transactional capability, i.e., allow the
bank's customers to execute transactions on their accounts through the website? ............... 4088
10. Secured liabilities:
RCON
a. Amount of ''Federal funds purchased in domestic offices" that are secured
(included in Schedule RC, item 14.a) ...................................................................... F064
RCFD
b. Amount of ''Other borrowings" that are secured
(included in Schedule RC-M, items 5.b.(1)(a)-(d)) ...................................................... F065
No
9.
Amount
RCON Yes
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts? ............................................................ G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance
of orders for the sale or purchase of securities? ............................................................ G464
D
8.c.(1)
8.c.(2)
8.c.(3)
8.c.(4)
8.c.(5)
8.c.(6)
10.a.
10.b.
No
11.
12.
1. Report only highest level URLs (for example, report www.examplebank.biz, but do not also report
www.examplebank.biz/checking). Report each top level domain name used (for example, report both www.examplebank.biz
and www.examplebank.net).
03/2015
FFIEC 031
Page 45 of 84
RC-30
Schedule RC-M—Continued
RCON
Amount
K169
K171
13.a.(1)(a)(1)
13.a.(1)(a)(2)
13.a.(1)(b)
K172
13.a.(1)(c)(1)
K170
T
Dollar Amounts in Thousands
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
(1) Loans secured by real estate in domestic offices:
(a) Construction, land development, and other land loans:
(1) 1–4 family residential construction loans...........................................
(2) Other construction loans and all land development and other land loans ......
(b) Secured by farmland ..........................................................................
(c) Secured by 1– 4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit .....................................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ...............................................................
(b) Secured by junior liens .............................................................
(d) Secured by multifamily (5 or more) residential properties ...........................
(e) Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties .......
(2) Loans secured by other nonfarm nonresidential properties....................
(2)-(4) Not applicable
(5) All other loans and all leases .....................................................................
b. Other real estate owned (included in Schedule RC, item 7):
(1) Construction, land development, and other land in domestic offices ...................
(2) Farmland in domestic offices .....................................................................
(3) 1–4 family residential properties in domestic offices.......................................
(4) Multifamily (5 or more) residential properties in domestic offices .......................
(5) Nonfarm nonresidential properties in domestic offices ....................................
K173
K174
K175
13.a.(1)(c)(2)(a)
13.a.(1)(c)(2)(b)
13.a.(1)(d)
K176
K177
13.a.(1)(e)(1)
13.a.(1)(e)(2)
R
AF
RCFD
K183
13.a.(5)
RCON
K187
K188
K189
K190
K191
13.b.(1)
13.b.(2)
13.b.(3)
13.b.(4)
13.b.(5)
RCFN
(6) In foreign offices .....................................................................................
(7) Portion of covered other real estate owned included in items 13.b.(1) through (6)
above that is protected by FDIC loss-sharing agreements ...............................
c. Debt securities (included in Schedule RC, items 2.a and 2.b) ................................
d. Other assets (exclude FDIC loss-sharing indemnification assets) ...........................
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries1 ...................................................
b. Total assets of captive reinsurance subsidiaries1 ................................................
K260
13.b.(6)
RCFD
K192
J461
J462
K193
K194
13.b.(7)
13.c.
13.d.
14.a.
14.b.
Items 14.a and 14.b are to be completed annually in the December report only.
D
1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or
consolidated subsidiaries of the reporting bank.
03/2017
FFIEC 031
Page 46 of 84
RC-31
Schedule RC-M—Continued
Item 15 is to be completed by institutions that are required or have elected to be treated as a Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine its
QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2) ............
b. Has the institution been in compliance with the HOLA QTL test as of each month end during
the quarter or the IRS DBLA test for its most recent taxable year, as applicable? ....................
L133
15.a.
Yes
No
L135
15.b.
RCON Yes
No
T
Item 16.a and, if appropriate, items 16.c and 16.d are to be completed semiannually in the June and
December reports only. Item 16.b is to be completed annually in the June report only.
16. International remittance transfers offered to consumers:1
a. As of the report date, did your institution offer to consumers in any state any
of the following mechanisms for sending international remittance transfers?
(1) International wire transfers ................................................................................
(2) International ACH transactions ...........................................................................
(3) Other proprietary services operated by your institution ............................................
(4) Other proprietary services operated by another party ..............................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more
than 100 international remittance transfers in the current calendar year? .........................
Number
RCON
N517
16.a.(1)
16.a.(2)
16.a.(3)
16.a.(4)
R
AF
N518
N519
N520
N521
16.b.
Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in
the current report or, if item 16.b is not required to be completed in the current report, in
the most recent prior report in which item 16.b was required to be completed.
c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the
mechanism that your institution estimates accounted for the largest number of international
remittance transfers your institution provided during the two calendar quarters ending on
the report date. (For international wire transfers, enter 1; for international ACH transactions,
enter 2; for other proprietary services operated by your institution, enter 3. If your institution
did not provide any international remittance transfers using the mechanisms described in
RCON
items 16.a.(1), (2), and (3) above during the two calendar quarters ending on the report
date, enter 0.) ...................................................................................................... N522
d. Estimated number and dollar value of international remittance transfers provided by your
institution during the two calendar quarters ending on the report date:
(1) Estimated number of international remittance transfers ........................................... N523
16.c.
16.d.(1)
Amount
16.d.(2)
Number
16.d.(3)
D
(2) Estimated dollar value of international remittance transfers ...................................... N524
(3) Estimated number of international remittance transfers for which your institution
applied the temporary exception ......................................................................... N527
Number
1. Report information about international electronic transfers of funds offered to consumers in the United States that:
(a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or
(b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because
the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f).
For purposes of this item 16, such transfers are referred to as international remittance transfers.
Exclude transfers sent by your institution as a correspondent bank for other providers. With the exception of item 16.a.(4), report
information only about transfers for which the reporting institution is the provider. For item 16.a.(4), report information about
transfers for which another party is the provider, and the reporting institution is an agent or a similar type of business partner interacting with the
consumers sending the international remittance transfers.
03/2015
FFIEC 031
Page 47 of 84
RC-32
Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A)
Past due
30 through 89
days and still
accruing
RCON
Amount
RCON
Amount
(Column C)
Nonaccrual
RCON
D
f. In foreign offices ...................................
2. Loans to depository institutions and
acceptances of other banks:
a. To U.S. banks and other U.S. depository
institutions...........................................
b. To foreign banks ...................................
3. Loans to finance agricultural production and
other loans to farmers ...............................
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) .................
b. To non-U.S. addressees (domicile) ...........
5. Loans to individuals for household, family,
and other personal expenditures:
a. Credit cards .........................................
b. Automobile loans ..................................
c. Other (revolving credit plans other than
credit cards, and other consumer loans) ......
6. Loans to foreign governments and
official institutions .....................................
7. All other loans .........................................
Amount
F174
F176
1.a.(1)
F173
3493
F175
3494
F177
3495
1.a.(2)
1.b.
5399
5400
1.c.(1)
5398
T
F172
R
AF
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other
land loans in domestic offices:
(1) 1–4 family residential construction
loans .............................................
(2) Other construction loans and all land
development and other land loans .......
b. Secured by farmland in domestic offices ....
c. Secured by 1–4 family residential properties in domestic offices:
(1) Revolving, open-end loans secured by
1–4 family residential properties and
extended under lines of credit .............
(2) Closed-end loans secured by 1– 4
family residential properties:
(a) Secured by first liens ....................
(b) Secured by junior liens..................
d. Secured by multifamily (5 or more)
residential properties in domestic offices ....
e. Secured by nonfarm nonresidential
properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ........
(2) Loans secured by other nonfarm
nonresidential properties....................
(Column B)
Past due 90
days or more
and still
accruing
C236
C238
C237
C239
C229
C230
1.c.(2)(a)
1.c.(2)(b)
3499
3500
3501
1.d.
F178
F180
F182
1.e.(1)
1.e.(2)
F179
F181
F183
RCFN
RCFN
RCFN
B572
B573
B574
RCFD
RCFD
RCFD
5377
5380
5378
5381
5379
5382
2.a.
2.b.
1594
1597
1583
3.
1251
1254
1252
1255
1253
1256
4.a.
4.b.
B575
K213
B576
K214
B577
K215
5.a.
5.b.
K216
K217
K218
5.c.
5389
5390
5391
5459
5460
5461
6.
7.
1. f.
06/2012
FFIEC 031
Page 48 of 84
RC-33
Schedule RC-N—Continued
Amounts reported by loan and lease category in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions
of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases that have already
been included in the amounts reported in items 1 through 8.
(Column A)
Past due
30 through 89
days and still
accruing
F166
F169
1406
3505
Amount
RCFD
Amount
RCFD
D
Amount
F167
F170
F168
F171
8.a.
8.b.
1407
1403
9.
3506
3507
10.
T
RCFD
(Column C)
Nonaccrual
R
AF
Dollar Amounts in Thousands
8. Lease financing receivables:
a. Leases to individuals for household,
family, and other personal expenditures..
b. All other leases.................................
9. Total loans and leases (sum of items 1
through 8.b) .......................................
10. Debt securities and other assets
(exclude other real estate owned and other
repossessed assets) ............................
11. Loans and leases reported in items 1
through 8 above that are wholly or partially
guaranteed by the U.S. Government,
excluding loans and leases covered by losssharing agreements with the FDIC..............
a. Guaranteed portion of loans and
leases included in item 11 above,
excluding rebooked "GNMA loans" .......
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 11 above ......
12. Loans and leases reported in items 1
through 8 above that are covered by
loss-sharing agreements with the FDIC:
a. Loans secured by real estate in
domestic offices:
(1) Construction, land development,
and other land loans:
(a) 1–4 family residential
construction loans ....................
(b) Other construction loans and all
land development and other land
loans .....................................
(2) Secured by farmland .....................
(3) Secured by 1– 4 family residential
properties:
(a) Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit..
(b) Closed-end loans secured by
1–4 family residential properties:
(1) Secured by first liens ............
(2) Secured by junior liens ..........
(4) Secured by multifamily (5 or more)
residential properties .....................
(Column B)
Past due 90
days or more
and still
accruing
K036
K037
K038
11.
K039
K040
K041
11.a.
K042
K043
K044
11.b.
RCON
RCON
RCON
K045
K046
K047
12.a.(1)(a)
K048
K051
K049
K052
K050
K053
12.a.(1)(b)
12.a.(2)
K054
K055
K056
12.a.(3)(a)
K057
K060
K058
K061
K059
K062
12.a.(3)(b)(1)
12.a.(3)(b)(2)
K063
K064
K065
12.a.(4)
03/2017
FFIEC 031
Page 49 of 84
RC-34
Schedule RC-N—Continued
(Column A)
Past due
30 through 89
days and still
accruing
RCON
Amount
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
K067
K068
12.a.(5)(a)
K069
K070
K071
12.a.(5)(b)
K087
RCFD
K102
T
K066
K088
K089
RCFD
RCFD
K103
K104
12.e.
12. f.
D
R
AF
Dollar Amounts in Thousands
12. a. (5) Secured by nonfarm nonresidential
properties:
(a) Loans secured by owner-occupied
nonfarm nonresidential properties ....
(b) Loans secured by other nonfarm
nonresidential properties..............
b.- d. Not applicable
e. All other loans and all leases .................
f. Portion of covered loans and leases
included in items 12.a through 12.e
above that is protected by FDIC losssharing agreements.............................
(Column B)
Past due 90
days or more
and still
accruing
03/2017
FFIEC 031
Page 50 of 84
RC-35
Schedule RC-N—Continued
Memoranda
(Column A)
Past due
30 through 89
days and still
accruing
K105
Amount
RCON
Amount
RCON
D
Itemize loan categories included in
Memorandum item 1.f, above that exceed 10
percent of total loans restructured in troubled
debt restructurings that are past due 30 days
or more or in nonaccrual status (sum of
Memorandum items 1.a through 1.f, columns
A through C):
(1) Loans secured by farmland in
domestic offices .............................
(2) Not applicable
(3) Loans to finance agricultural
production and other loans to
farmers.........................................
(4) Loans to individuals for household,
family, and other personal
expenditures:
(a) Credit cards ..............................
(b) Automobile loans .......................
(c) Other (includes revolving credit plans
other than credit cards, and other
consumer loans)..........................
Amount
T
RCON
(Column C)
Nonaccrual
K106
K107
M.1.a.(1)
K109
K110
M.1.a.(2)
F662
F663
M.1.b.
K111
K112
K113
M.1.c.
K114
K115
K116
M.1.d.(1)
M.1.d.(2)
K108
F661
R
AF
Dollar Amounts in Thousands
1. Loans restructured in troubled debt
restructurings included in Schedule
RC-N, items 1 through 7, above (and not
reported in Schedule RC-C, Part I,
Memorandum item 1):
a. Construction, land development, and
other land loans in domestic offices:
(1) 1–4 family residential construction loans ....
(2) Other construction loans and all
land development and other land loans ....
b. Loans secured by 1– 4 family
residential properties in domestic offices .....
c. Secured by multifamily (5 or more)
residential properties in domestic offices ......
d. Secured by nonfarm nonresidential
properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ......
(2) Loans secured by other nonfarm
nonresidential properties ..................
e. Commercial and industrial loans:
(1) To U.S. addressees (domicile) ..........
(2) To non-U.S. addressees (domicile) .....
f. All other loans (include loans to
individuals for household, family, and
other personal expenditures) .................
(Column B)
Past due 90
days or more
and still
accruing
K117
K118
K119
RCFD
RCFD
RCFD
K120
K123
K121
K124
K122
K125
M.1.e.(1)
M.1.e.(2)
K126
K127
K128
M.1. f.
RCON
RCON
RCON
K130
K131
K132
RCFD
RCFD
RCFD
K138
K139
K140
M.1. f.(3)
K274
K275
K276
K277
K278
K279
M.1. f.(4)(a)
M.1. f.(4)(b)
K280
K281
K282
M.1. f.(4)(c)
M.1. f.(1)
09/2016
FFIEC 031
Page 51 of 84
RC-36
Schedule RC-N—Continued
Memoranda—Continued
RCFD
Amount
6558
RCFD
Amount
HK27
(Column C)
Nonaccrual
Amount
RCFD
HK28
1.g.
T
HK26
(Column B)
Past due 90
days or more
and still
accruing
6559
6560
M.2.
1249
1250
M.3.
C240
C241
C226
M.5.a.
F664
F667
F665
F668
F666
F669
M.5.b.(1)
M.5.b.(2)
1248
R
AF
Dollar Amounts in Thousands
1. g. Total loans restructured in troubled debt
restructurings included in Schedule
RC-N, items 1 through 7, above and not
reported in Schedule RC-C, Part I,
Memorandum item 1 (sum of
Memorandum items 1.a.(1) through 1.f)1 ..
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ..........
3. Loans secured by real estate to non-U.S.
addressees (domicile) (included in Schedule
RC-N, item 1, above) ................................
4. Not applicable
5. Loans and leases held for sale and loans
measured at fair value (included in Schedule
RC-N, items 1 through 8, above):
a. Loans and leases held for sale ................
b. Loans measured at fair value:
(1) Fair value .......................................
(2) Unpaid principal balance ....................
(Column A)
Past due
30 through 89
days and still
accruing
(Column A)
Past due
30 through 89 days
Dollar Amounts in Thousands
6. Derivative contracts:
Fair value of amounts carried as assets ........
RCFD
Amount
3529
(Column B)
Past due 90
days or more
RCFD
Amount
3530
Memorandum items 7, 8, 9.a, and 9.b are to be completed semiannually in the June and December reports only.
D
7. Additions to nonaccrual assets during the quarter ...........................................................
previous six months
8. Nonaccrual assets sold during the quarter .....................................................................
Dollar Amounts in Thousands
9. Purchased credit-impaired loans accounted for
in accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
a. Outstanding balance..............................
b. Amount included in Schedule RC-N, items 1
through 7, above ...................................
M.6.
RCFD
Amount
C410
C411
M.7.
M.8.
(Column A)
Past due
30 through 89
days and still
accruing
Amount
RCFD
(Column B)
Past due 90
days or more
and still
accruing
Amount
RCFD
(Column C)
Nonaccrual
RCFD
L183
L184
L185
M.9.a.
L186
L187
L188
M.9.b.
Amount
1. Exclude amounts reported in Memorandum items 1.f.(1) through 1.f.(4) when calculating the total in Memorandum item 1.g.
03/2017
FFIEC 031
Page 52 of 84
RC-37
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items 1 through 9, 10, and 11, Memorandum item 1, and, if applicable, item 9.a,
Memorandum items 2 through 4 and 6 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and
Memorandum items 1 through 4 on an “unconsolidated single FDIC certificate number basis” (see instructions) and
complete Memorandum items 6 through 18 on a fully consolidated basis.
Dollar Amounts in Thousands RCFD
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations ........................................................................ F236
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
(including foreign deposits)............................................................................................... F237
RCFN
3. Total foreign deposits, including interest accrued and unpaid thereon
(included in item 2 above) ................................................................................................ F234
Amount
1.
2.
3.
T
RCFD
4. Average consolidated total assets for the calendar quarter......................................................
Number
a. Averaging method used
(for daily averaging, enter 1, for weekly averaging, enter 2) .................. K653
K652
4.
4.a.
Amount
K654
R
AF
5. Average tangible equity for the calendar quarter1 ..................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions ....................................................................................................................
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less .........................................................................................................
b. Over one year through three years .................................................................................
c. Over three years through five years ................................................................................
d. Over five years ...........................................................................................................
8. Subordinated notes and debentures with a remaining maturity of
(sum of items 8.a through 8.d must equal Schedule RC, item 19):
a. One year or less .........................................................................................................
b. Over one year through three years .................................................................................
c. Over three years through five years ................................................................................
d. Over five years ...........................................................................................................
5.
K655
6.
G465
G466
7.a.
7.b.
7.c.
7.d.
G467
G468
G469
G470
8.a.
8.b.
8.c.
8.d.
G471
G472
RCON
9. Reciprocal brokered deposits (included in Schedule RC-E, Part I, Memorandum item 1.b) ............ G803
9.
Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured
depository institution.
D
a. Fully consolidated reciprocal brokered deposits.................................................................
10. Banker's bank certification:
Does the reporting institution meet both the statutory definition of a banker's bank and the
business conduct test set forth in FDIC regulations? ..............................................................
L190
RCFD
9.a.
Yes
10.
If the answer to item 10 is "YES," complete items 10.a and 10.b.
Amount
a. Banker's bank deduction ..............................................................................................
b. Banker's bank deduction limit ........................................................................................
11. Custodial bank certification:
Does the reporting institution meet the definition of a custodial bank set forth in FDIC
regulations? ..................................................................................................................
If the answer to item 11 is "YES," complete items 11.a and 11.b.
No
K656
K657
Yes
No
K659
2
a. Custodial bank deduction .............................................................................................
b. Custodial bank deduction limit .......................................................................................
10.a.
10.b.
K658
11.
Amount
K660
K661
11.a.
11.b.
1. See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the
banking agencies' regulatory capital standards and reported in Schedule RC-R, Part I, item 26, except as described in the instructions.
2. If the amount reported in item 11.b is zero, item 11.a may be left blank.
09/2016
FFIEC 031
Page 53 of 84
RC-38
Schedule RC-O—Continued
Memoranda
Dollar Amounts in Thousands RCON
1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less
allowable exclusions, including related interest accrued and unpaid (sum of Memorandum
items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:1
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less............ F049
Number
(2) Number of deposit accounts (excluding retirement accounts)
of $250,000 or less .............................................................. F050
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000 ....... F051
Number
(2) Number of deposit accounts (excluding retirement accounts)
of more than $250,000 ......................................................... F052
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less ....................................... F045
Amount
M.1.a.(1)
M.1.a.(2)
T
M.1.b.(1)
M.1.b.(2)
M.1.c.(1)
Number
(2) Number of retirement deposit accounts of $250,000 or less.......... F046
d. Retirement deposit accounts of more than $250,000:1
(1) Amount of retirement deposit accounts of more than $250,000 .................................. F047
R
AF
M.1.c.(2)
M.1.d.(1)
Number
(2) Number of retirement deposit accounts of more than $250,000 .... F048
M.1.d.(2)
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.2
2. Estimated amount of uninsured deposits in domestic offices of the bank and in insured
branches in Puerto Rico and U.S. territories and possessions, including related interest
accrued and unpaid (see instructions)3 .......................................................................... 5597
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings association's Call Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
RCON
association:
TEXT
A545
A545
M.2.
FDIC Cert. No.
M.3.
RCFN
4. Dually payable deposits in the reporting institution's foreign branches .................................. GW43
M.4.
5. Not applicable
D
1. The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date.
2. The $1 billion asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.
3. Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.
03/2017
FFIEC 031
Page 54 of 84
RC-39
Schedule RC-O—Continued
Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an
individual institution basis.
Memoranda—Continued
Dollar Amounts in Thousands
Memorandum items 6 through 12 are to be completed by "large institutions" and "highly complex
institutions" as defined in FDIC regulations.
6. Criticized and classified items:
a. Special mention ......................................................................................................
b. Substandard ..........................................................................................................
c. Doubtful ................................................................................................................
d. Loss .....................................................................................................................
7. “Nontraditional 1– 4 family residential mortgage loans” as defined for assessment purposes
only in FDIC regulations:
a. Nontraditional 1 -4 family residential mortgage loans......................................................
b. Securitizations of nontraditional 1 -4 family residential mortgage loans ..............................
8. “Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans .....................................................................................
b. Securitizations of higher-risk consumer loans................................................................
9. “Higher-risk commercial and industrial loans and securities” as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities ..............................................
b. Securitizations of higher-risk commercial and industrial loans and securities .......................
RCFD
Amount
K665
K666
M.6.a.
M.6.b.
M.6.c.
M.6.d.
N025
N026
M.7.a.
M.7.b.
N027
N028
M.8.a.
M.8.b.
N029
N030
M.9.a.
M.9.b.
10. Commitments to fund construction, land development, and other land loans secured by real
estate for the consolidated bank:
a. Total unfunded commitments ....................................................................................
K676
M.10.a.
b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC) ................................................................................................
R
AF
T
K663
K664
K677
M.10.b.
11. Amount of other real estate owned recoverable from the U.S. government under guarantee or
insurance provisions (excluding FDIC loss-sharing agreements) ......................................
K669
M.11.
12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in Schedule
RC-E, Part I, Memorandum item 2.d) .........................................................................
RCON
K678
M.12.
Memorandum item 13.a is to be completed by "large institutions" and "highly complex institutions"
as defined in FDIC regulations. Memorandum items 13.b through 13.h are to be completed by
"large institutions" only.
D
13. Portion of funded loans and securities in domestic and foreign offices guaranteed or insured by
the U.S. government (including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate......................
b. Loans secured by multifamily residential and nonfarm nonresidential properties...................
c. Closed-end loans secured by first liens on 1– 4 family residential properties ........................
d. Closed-end loans secured by junior liens on 1– 4 family residential properties and
revolving, open-end loans secured by 1– 4 family residential properties and extended
under lines of credit .................................................................................................
e. Commercial and industrial loans ................................................................................
f. Credit card loans to individuals for household, family, and other personal expenditures ...............
g. All other loans to individuals for household, family, and other personal expenditures.............
h. Non-agency residential mortgage-backed securities .......................................................
RCFD
N177
N178
N179
N180
N181
N182
N183
M963
M.13.a.
M.13.b.
M.13.c.
M.13.d.
M.13.e.
M.13.f.
M.13.g.
M.13.h.
Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined in
FDIC regulations.
14. Amount of the institution's largest counterparty exposure....................................................
15. Total amount of the institution's 20 largest counterparty exposures .......................................
K673
K674
M.14.
M.15.
03/2014
FFIEC 031
Page 55 of 84
RC-40
Schedule RC-O—Continued
Memoranda—Continued
Dollar Amounts in Thousands
RCFD
Amount
Memorandum item 16 is to be completed by “large institutions” and “highly complex institutions” as
defined in FDIC regulations.
16. Portion of loans restructured in troubled debt restructurings that are in compliance with their
modified terms and are guaranteed or insured by the U.S. government (including the FDIC)
(included in Schedule RC-C, Part I, Memorandum item 1) ..................................................
L189
M.16.
Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions”
and “highly complex institutions” as defined in FDIC regulations that own another insured
depository institution.
T
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
(including foreign deposits).........................................................................................
c. Unsecured “Other borrowings” with a remaining maturity of one year or less .......................
d. Estimated amount of uninsured deposits in domestic offices of the institution and in insured
branches in Puerto Rico and U.S. territories and possessions, including related interest
accrued and unpaid ................................................................................................
M.17.a.
L195
L196
M.17.b.
M.17.c.
R
AF
L194
RCON
M.17.d.
D
L197
06/2012
FFIEC 031
Page 56 of 84
RC-41
Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
Two-Year Probability of Default (PD)
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
1.01– 4%
4.01–7%
7.01–10%
10.01–14%
14.01–16%
16.01–18%
18.01–20%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD M964
RCFD M965
RCFD M966
RCFD M967
RCFD M968
RCFD M969
RCFD M970
RCFD M971
AF
T
(Column B)
1%
RCFD M979
RCFD M994
RCFD M980
RCFD M995
RCFD M981
RCFD M996
RCFD M982
RCFD M997
RCFD M983
RCFD M998
RCFD M984
RCFD M999
RCFD M985
RCFD N001
M.18.a.
RCFD M986
M.18.b.
RCFD N002
M.18.c.
RCFD N010
RCFD N011
RCFD N012
RCFD N013
RCFD N014
RCFD N015
RCFD N016
RCFD N017
RCFD N040
RCFD N041
RCFD N042
RCFD N043
RCFD N044
RCFD N045
RCFD N046
RCFD N047
RCFD N055
RCFD N056
RCFD N057
RCFD N058
RCFD N059
RCFD N060
RCFD N061
RCFD N062
RCFD N070
RCFD N071
RCFD N072
RCFD N073
RCFD N074
RCFD N075
RCFD N076
RCFD N077
D
R
Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations ..............
b. Closed-end loans secured by first
liens on 1– 4 family residential
properties .................................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties ..................
d. Revolving, open-end loans secured by
1–4 family residential properties and
extended under lines of credit ..........
(Column A)
M.18.d.
e. Credit cards ..............................
M.18.e.
f. Automobile loans .......................
M.18.f.
g. Student loans ............................
h. Other consumer loans and
revolving credit plans other
than credit cards ........................
M.18.g.
RCFD N085
RCFD N086
RCFD N087
RCFD N088
RCFD N089
RCFD N090
RCFD N091
RCFD N092
RCFD N100
RCFD N101
RCFD N102
RCFD N103
RCFD N104
RCFD N105
RCFD N106
RCFD N107
RCFD N115
RCFD N116
RCFD N117
RCFD N118
RCFD N119
RCFD N120
RCFD N121
RCFD N122
M.18.h.
i. Consumer leases .......................
j. Total........................................
M.18.i.
M.18.j.
03/2014
FFIEC 031
Page 57 of 84
RC-42
Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
(Column I)
(Column J)
(Column K)
(Column L)
(Column M)
20.01–22%
22.01–26%
26.01–30%
> 30%
Unscoreable
Total
(Column O)
PDs Were
Derived
Using1
Amount
Amount
Amount
Amount
Amount
Amount
Number
RCFD M972
RCFD M973
RCFD M974
RCFD M975
RCFD M976
RCFD M977
RCFD M978
Two-Year Probability of Default (PD)
AF
T
(Column N)
RCFD M987
RCFD N003
RCFD M988
RCFD N004
RCFD M989
RCFD N005
RCFD M990
RCFD N006
RCFD M991
RCFD N007
RCFD M992
RCFD N008
M.18.a.
RCFD M993
M.18.b.
RCFD N009
M.18.c.
RCFD N018
RCFD N019
RCFD N020
RCFD N021
RCFD N022
RCFD N023
RCFD N024
RCFD N048
RCFD N049
RCFD N050
RCFD N051
RCFD N052
RCFD N053
RCFD N054
RCFD N063
RCFD N064
RCFD N065
RCFD N066
RCFD N067
RCFD N068
RCFD N069
RCFD N078
RCFD N079
RCFD N080
RCFD N081
RCFD N082
RCFD N083
RCFD N084
D
R
Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations ....................................
b. Closed-end loans secured by
first liens on 1–4 family
residential properties ........................................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties ........................................
d. Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit ...........................
M.18.d.
e. Credit cards ....................................................
M.18.e.
f. Automobile loans .............................................
M.18.f.
g. Student loans ..................................................
h. Other consumer loans and
revolving credit plans other
than credit cards ..............................................
M.18.g.
RCFD N093
RCFD N094
RCFD N095
RCFD N096
RCFD N097
RCFD N098
RCFD N099
RCFD N108
RCFD N109
RCFD N110
RCFD N111
RCFD N112
RCFD N113
RCFD N114
RCFD N123
RCFD N124
RCFD N125
RCFD N126
RCFD N127
RCFD N128
M.18.h.
i. Consumer leases .............................................
M.18.i.
j. Total..............................................................
M.18.j.
1. For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2;
for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3.
If the total reported in Column N for a product type is zero, enter 0.
03/2014
FFIEC 031
Page 58 of 84
RC-43
Schedule RC-P—1–4 Family Residential Mortgage Banking Activities
in Domestic Offices
Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets1 and (2) banks with less than $1 billion
in total assets at which either 1– 4 family residential mortgage loan originations and purchases for resale21 from all sources,
loan sales, or quarter-end loans held for sale or trading in domestic offices exceed $10 million for two consecutive quarters.
RCON
Amount
F067
1.
1.a.
1.b.
F670
F671
1.c.(1)
1.c.(2)
F068
XXXX
2.
2.a.
2.b.
F066
XXXX
T
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1– 4 family residential mortgage loans for sale:2
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
2. Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage
loans for sale:2
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
3. 1–4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
4. 1–4 family residential mortgage loans held for sale or trading at quarter-end
(included in Schedule RC, items 4.a and 5):
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1– 4 family
residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i):
a. Closed-end 1– 4 family residential mortgage loans...........................................................
b. Open-end 1– 4 family residential mortgage loans extended under lines of credit.....................
6. Repurchases and indemnifications of 1– 4 family residential mortgage loans during the
quarter:
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under line of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and
government-sponsored agencies .................................................................................
b. For representations and warranties made to other parties .................................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b) ................................
F069
F672
D
R
AF
F673
F070
XXXX
F071
F674
2.c.(1)
2.c.(2)
3.
3.a.
3.b.
F675
3.c.(1)
3.c.(2)
F072
XXXX
4.
4.a.
F073
4.b.
F676
F677
4.c.(1)
4.c.(2)
RIAD
F184
XXXX
F560
5.
5.a.
5.b.
RCON
F678
XXXX
F679
F680
F681
L191
L192
M288
6.
6.a.
6.b.
6.c.(1)
6.c.(2)
7.a.
7.b.
7.c.
1. The $1 billion asset size test is based on the total assets reported on the June 30, 2016, Report of Condition.
Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment.
1.
2.
03/2017
FFIEC 031
Page 59 of 84
RC-44
Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis
AF
T
Schedule RC-Q is to be completed by banks that:
(1) Had total assets of $500 million or more as of the beginning of their fiscal year; or
(2) Had total assets of less than $500 million as of the beginning of their fiscal year and either:
(1)
(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.
(2)
(Column A)
Total Fair Value
Reported on
Schedule RC
RCFD
Amount
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
RCFD
Amount
(Column C)
Level 1 Fair Value
Measurements
RCFD
Amount
(Column D)
Level 2 Fair Value
Measurements
RCFD
Amount
(Column E)
Level 3 Fair Value
Measurements
RCFD
Amount
1773
G474
G475
G476
G477
1.
G478
G483
G488
G479
G484
G489
G480
G485
G490
G481
G486
G491
G482
G487
G492
2.
3.
4.
3543
G497
G493
G498
G494
G499
G495
G500
G496
G501
5.a.
5.b.
F240
G391
F684
G392
F692
G395
F241
G396
F242
G804
5.b.(1)
6.
G504
G505
G506
7.
D
R
Available-for-sale debt securities and equity
securities with readily determinable fair
values not held for trading purposes1
Dollar Amounts in Thousands
Assets
1. Available-for-sale securities .........................
2. Federal funds sold and securities purchased
under agreements to resell ..........................
3. Loans and leases held for sale .....................
4. Loans and leases held for investment ............
5. Trading assets:
a. Derivative assets ...................................
b. Other trading assets ...............................
(1) Nontrading securities at fair value
with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b above) ..........
6. All other assets .........................................
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 5.b
plus item 6) ..............................................
G502
G503
Liabilities
F686
F694
F253
F254
8. Deposits .................................................. F252
9. Federal funds purchased and securities sold
G508
G509
G510
G511
under agreements to repurchase .................. G507
10. Trading liabilities:
G512
G513
G514
G515
a. Derivative liabilities................................. 3547
G516
G517
G518
G519
G520
b. Other trading liabilities ............................
G521
G522
G523
G524
G525
11. Other borrowed money ...............................
G526
G527
G528
G529
G530
12. Subordinated notes and debentures ..............
G805
G806
G807
G808
G809
13. All other liabilities ......................................
14. Total liabilities measured at fair value on a
G532
G533
G534
G535
recurring basis (sum of items 8 through 13) .... G531
1 For
. institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities, the amount reported in item 1,
column A, must equal the sum of Schedule RC, items 2.b and 2.c. For institutions that have not adopted ASU 2016-01, the amount reported in item 1, column A, must
equal Schedule RC, item 2.b.
8.
9.
10.a.
10.b.
11.
12.
13.
14.
06/2012
FFIEC 031
Page 60 of 84
RC-45
Schedule RC-Q—Continued
(Column A)
Total Fair Value
Reported on
Schedule RC
RCFD
Amount
RCFD
Amount
(Column C)
Level 1 Fair Value
Measurements
RCFD
Amount
(Column D)
Level 2 Fair Value
Measurements
RCFD
Amount
(Column E)
Level 3 Fair Value
Measurements
RCFD
AF
T
Dollar Amounts in Thousands
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
G536
G541
G537
G542
G538
G543
G539
G544
G540
G545
G546
G547
G548
G549
G550
G551
G556
G552
G557
G553
G558
G554
G559
G555
G560
G561
G562
G563
G564
G565
F261
F689
F697
F262
F263
G566
G571
G567
G572
G568
G573
G569
G574
G570
G575
G576
G577
G578
G579
G580
G583
G588
G584
G589
G585
G590
D
R
Memoranda
1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,
that are greater than $100,000 and exceed
25 percent of item 6):
a. Mortgage servicing assets .........................
b. Nontrading derivative assets ......................
TEXT
c. G546
TEXT
d. G551
TEXT
e. G556
TEXT
f. G561
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than $100,000 and
exceed 25 percent of item 13):
a. Loan commitments
(not accounted for as derivatives) ...............
b. Nontrading derivative liabilities ...................
TEXT
c. G571
TEXT
d. G576
TEXT
e. G581
TEXT
f. G586
G581
G586
G582
G587
Amount
M.1.a.
M.1.b.
M.1.c.
M.1.d.
M.1.e.
M.1. f.
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2. f.
09/2016
FFIEC 031
Page 61 of 84
RC-46
Schedule RC-Q—Continued
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands
Amount
RCON
Amount
F608
F578
XXXX
F579
F580
M.3.a.
M.3.a.(1)
M.3.a.(2)
M.3.a.(1)
M.3.a.(3)(a)
T
3. Loans measured at fair value
(included in Schedule RC-C, Part I, items 1 through 9):
a. Loans secured by real estate: ..............................................
(1) Construction, land development, and other land loans ...........
(2) Secured by farmland
(including farm residential and other improvements) ..............
(1)
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...
(b) other
Closed-end
secured
byestate
1–4 family residential
(2) All
loans loans
secured
by real
properties:
(1) Secured by first liens............................................
(2) Secured by junior liens .........................................
(4) Secured by multifamily (5 or more) residential properties........
(5) Secured by nonfarm nonresidential properties .....................
b. Commercial and industrial loans ...........................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards ................................................................
(2) Other revolving credit plans ............................................
(3) Automobile loans.........................................................
(4) Other consumer loans ...................................................
d. Other loans .....................................................................
4. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-Q, Memorandum item 3):
a. Loans secured by real estate: ..............................................
(1) Construction, land development, and other land loans ...........
(2) Secured by farmland
(including farm residential and other improvements) ..............
(3) Secured by 1–4 family residential properties:
(1)
(a) Revolving, open-end loans secured by 1–4 family residential
properties and extended under lines of credit....................
(b) Closed-end loans secured by 1–4 family residential properties:
(2) All (1)
other
loans by
secured
by real
estate
Secured
first liens
............................................
(2) Secured by junior liens ..........................................
(4) Secured by multifamily (5 or more) residential properties........
(5) Secured by nonfarm nonresidential properties .....................
b. Commercial and industrial loans ...........................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards ................................................................
(2) Other revolving credit plans ............................................
(3) Automobile loans.........................................................
(4) Other consumer loans .................................................
d. Other loans .....................................................................
RCFD
(Column B)
Domestic
Offices
M.3.a.(2)
XXXX
F581
D
R
AF
F582
F583
F584
M.3.a.(3)(b)(1)
M.3.a.(3)(b)(2)
M.3.a.(4)
M.3.a.(5)
M.3.b.
F585
F585
F586
XXXX
F587
K196
F586
F587
K196
K208
F589
K208
F589
M.3.c.
M.3.c.(1)
M.3.c.(2)
M.3.c.(3)
M.3.c.(4)
M.3.d.
F590
M.4.a.
M.4.a.(1)
F609
F591
XXXX
XXXX
F597
XXXX
F598
M.4.a.(2)
M.4.a.(1)
F592
M.4.a.(3)(a)
F593
F594
F595
M.4.a.(2)
M.4.a.(3)(b)(1)
M.4.a.(3)(b)(2)
M.4.a.(4)
M.4.a.(5)
M.4.b.
F596
F597
F599
F598
F599
K195
K209
K195
K209
F601
F601
M.4.c.(1)
M.4.c.
M.4.c.(2)
M.4.c.(3)
M.4.c.(4)
M.4.d.
03/2017
FFIEC 031
Page 62 of 84
RC-47
Schedule RC-R—Regulatory Capital
Part I. Regulatory Capital Components and Ratios
Part I is to be completed on a consolidated basis.
Dollar Amounts in Thousands
RCFA
Amount
Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee
stock ownership plan (ESOP) shares................................................................................ P742
1.
RCFD
2. Retained earnings ........................................................................................................ 3632
2.
RCFA
3. Accumulated other comprehensive income (AOCI) .............................................................. B530
T
3.
a. AOCI opt-out election (enter “1” for Yes; enter “0” for No.)
(Advanced approaches institutions must enter “0” for No.) ................................................
0=No RCOA
1=Yes P838
RCFA
Amount
R
AF
4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...................... P839
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ....... P840
D
Common Equity Tier 1 Capital: Adjustments and Deductions
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) .............................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs ..........................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs ...................................
9. AOCI-related adjustments (if entered “1” for Yes in item 3.a, complete only items 9.a through
9.e; if entered “0” for No in item 3.a, complete only item 9.f):
a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report as a
1
positive value; if a loss, report as a negative value) .........................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive value) 2..
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive
value; if a loss, report as a negative value) ....................................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ...
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in
AOCI (if a gain, report as a positive value; if a loss, report as a negative value).....................
f. To be completed only by institutions that entered “0” for No in item 3.a:
LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
income taxes, that relates to the hedging of items that are not recognized at fair value on the
balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .........
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are
due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as
a negative value)......................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions........................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the
form of common stock that exceed the 10 percent threshold for non-significant investments ........
12. Subtotal (item 5 minus items 6 through 11) ........................................................................
3.a.
4.
5.
P841
6.
P842
7.
P843
8.
P844
9.a.
P845
9.b.
P846
9.c.
P847
9.d.
P848
9.e.
P849
9.f.
Q258
10.a.
P850
10.b.
P851
11.
12.
P852
1. Institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities,
should report net unrealized gains (losses) on available-for-sale debt securities in item 9.a. Institutions that have not adopted ASU 2016-01
should report net unrealized gains (losses) on available-for-sale debt and equity securities in item 9.a.
2. Item 9.b is to be completed only by institutions that have not adopted ASU 2016-01. See instructions for further detail on ASU 2016-01.
03/2015
FFIEC 031
Page 63 of 84
RC-48
Schedule RC-R—Continued
Part I—Continued
RCFA
Amount
P853
13.
P854
14.
P855
15.
T
Dollar Amounts in Thousands
13. LESS: Significant investments in the capital of unconsolidated financial institutions in the form
of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1
capital deduction threshold .............................................................................................
14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital
deduction threshold ......................................................................................................
15. LESS: DTAs arising from temporary differences that could not be realized through net operating
loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent
common equity tier 1 capital deduction threshold ................................................................
16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in
the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs
arising from temporary differences that could not be realized through net operating loss
carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent
common equity tier 1 capital deduction threshold ................................................................
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of
additional tier 1 capital and tier 2 capital to cover deductions .................................................
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17) ...
19. Common equity tier 1 capital (item 12 minus item 18) ........................................................
16.
P857
P858
P859
17.
18.
19.
P860
P861
P862
P863
P864
P865
20.
21.
22.
23.
24.
25.
Tier 1 Capital
26. Tier 1 capital (sum of items 19 and 25) ............................................................................. 8274
26.
R
AF
P856
Additional Tier 1 Capital
20. Additional tier 1 capital instruments plus related surplus ........................................................
21. Non-qualifying capital instruments subject to phase-out from additional tier 1 capital...................
22. Tier 1 minority interest not included in common equity tier 1 capital .........................................
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)...................................
24. LESS: Additional tier 1 capital deductions ..........................................................................
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero) .......................................
D
Tier 2 Capital
27. Tier 2 capital instruments plus related surplus .....................................................................
28. Non-qualifying capital instruments subject to phase-out from tier 2 capital.................................
29. Total capital minority interest that is not included in tier 1 capital .............................................
30. a. Allowance for loan and lease losses includable in tier 2 capital ...........................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital ...........................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security under
3
GAAP and available-for-sale equity exposures includable in tier 2 capital .................................
32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)........................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions
(sum of items 27 through 29, plus items 30.b and 31) .......................................................
P866
P867
P868
5310
27.
28.
29.
30.a.
RCFW
5310
30.b.
RCFA
Q257
P870
31.
32.a.
RCFW
P870
32.b.
RCFA
33. LESS: Tier 2 capital deductions ....................................................................................... P872
34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) ............................................... 5311
RCFW
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item
32.b minus item 33, or zero) ........................................................................................ 5311
RCFA
Total Capital
35. a. Total capital (sum of items 26 and 34.a) ...................................................................... 3792
RCFW
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum
of items 26 and 34.b) ................................................................................................. 3792
33.
34.a.
34.b.
35.a.
35.b.
3. Item 31 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting
for investments in equity securities. See instructions for further detail on ASU 2016-01.
03/2015
FFIEC 031
Page 64 of 84
RC-49
Schedule RC-R—Continued
Part I—Continued
Dollar Amounts in Thousands
Total Assets for the Leverage Ratio
36. Average total consolidated assets ............................................................................
37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of
items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions) ......
38. LESS: Other deductions from (additions to) assets for leverage ratio purposes ..................
39. Total assets for the leverage ratio (item 36 minus items 37 and 38)..............................
Amount
RCFD
3368
36.
RCFA
P875
B596
A224
37.
38.
39.
T
Total Risk-Weighted Assets
40. a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31) ............................ A223
b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets RCFW
using advanced approaches rule (from FFIEC 101 Schedule A, item 60) ...................... A223
R
AF
Risk-Based Capital Ratios*
(Column A)
(Column B)
41. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a)
Percentage
Percentage
RCFA
RCFW
(Advanced approaches institutions that exit parallel run only: Column B: item 19
P793
P793
divided by item 40.b) .....................................................................................
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 26
7206
divided by item 40.b) ..................................................................................... 7206
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 35.b
7205
divided by item 40.b) ..................................................................................... 7205
RCFA
Leverage Capital Ratios*
44. Tier 1 leverage ratio (item 26 divided by item 39)......................................................... 7204
45. Advanced approaches institutions only: Supplementary leverage ratio information:
a. Total leverage exposure ..................................................................................... H015
D
41.
42.
43.
44.
Amount
45.a.
Percentage
45.b.
RCFA Percentage
Capital Buffer*
46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary
bonus payments:
a. Capital conservation buffer.................................................................................................. H311
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital buffer .... RCFW H312
Institutions must complete items 47 and 48 if the amount in item 46.a is less than or equal to the
applicable minimum capital conservation buffer:
47. Eligible retained income ................................................................................................. H313
48. Distributions and discretionary bonus payments during the quarter.......................................... H314
40.b.
Percentage
b. Supplementary leverage ratio .............................................................................. H036
RCFA
40.a.
46.a.
46.b.
Amount
47.
48.
*Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
09/2016
FFIEC 031
Page 65 of 84
RC-50
Schedule RC-R—Continued
Part II. Risk-Weighted Assets
Institutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory
capital rules1 and not deducted from tier 1 or tier 2 capital.
Dollar Amounts in Thousands
Amount
RCFD D957
RCFD D961
RCFD D966
RCFD XXXX
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
(Column D)
(Column E)
(Column F)
0%
2%
4%
10%
Amount
Amount
Amount
Amount
Amount
RCFD S396
RCFD D958
(Column G)
(Column H)
(Column I)
(Column J)
20%
50%
100%
150%
Amount
Amount
Amount
Amount
RCFD D959
RCFD S397
RCFD D960
RCFD S398
Allocation by Risk-Weight Category
1.
RCFD S399
RCFD D962
RCFD HJ74
RCFD HJ75
RCFD D963
RCFD D964
RCFD D965
RCFD S400
RCFD S402
RCFD D967
RCFD HJ76
RCFD HJ77
RCFD D968
RCFD D969
RCFD D970
RCFD S403
RCFD XXXX
RCFD XXXX
RCFD XXXX
RCFD XXXX
RCFD XXXX
RCFD XXXX
RCFD XXXX
2.a.
RCFD XXXX
2.b.
2.c.
RCFD XXXX
RCON D971
RCON D972
RCON D973
D
R
Balance Sheet Asset
Categories2
1. Cash and balances
due from depository
institutions....................
2. Securities:
a. Held-to-maturity
securities.................
b. Available-for-sale
securities.................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold
in domestic offices.....
b. Securities purchased
under agreements to
resell ......................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ...............
b. High volatility
commercial real estate
exposures................
c. Exposures past due
90 days or more or
on nonaccrual3 ..........
(Column A)
Totals From
Schedule
RC
AF
T
2.c Equity securities with readily
determinable fair values not held
for trading4
RCFD H171
RCFD S413
RCFD S419
RCFD S423
RCON S410
RCON D974
RCON S411
3.a.
RCFD H172
RCFD S414
RCFD S420
RCFD S424
3.b.
RCFD H173
RCFD S415
RCFD HJ78
RCFD S417
4.a.
RCFD H174
RCFD S425
RCFD S416
RCFD H175
RCFD H176
RCFD H177
RCFD S421
4.b.
RCFD HJ79
RCFD S426
RCFD S427
RCFD S428
RCFD S429
4.c.
1. For national banks and federal savings associations, 12 CFR Part 3; for state member banks, 12 CFR Part 217; and for state nonmember banks and state savings associations, 12 CFR Part 324.
2. All securitization exposures held as on-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9.
3. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on
nonaccrual.
03/2017
4. Item
is to
only by only
institutions
that have adopted
ASU adopted
2016-01, which
provisions
accounting governing
for investments
equity securities.
See the instructions
for further
detail on ASU
4.
Item2.c2.c
isbe
tocompleted
be completed
by institutions
that have
ASUincludes
2016-01,
whichgoverning
includestheprovisions
theinaccounting
for investments
in equity
securities.
2016-01.
See the instructions for further detail on ASU 2016-01.
FFIEC 031
Page 66 of 84
RC-51
Schedule RC-R—Continued
Part II—Continued
(Column K)
Dollar Amounts in Thousands
(Column N)
(Column O)
(Column P)
(Column Q)
(Column R)
(Column S)
Application of Other RiskWeighting Approaches45
Allocation by Risk-Weight Category
250%5
300%
400%
600%
625%
937.5%
1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD H270
RCFD XXXX
RCFD S405
RCFD XXXX
D
R
Balance Sheet Asset
Categories (continued)
1. Cash and balances
due from depository
institutions.......................................
2. Securities:
a. Held-to-maturity
securities....................................
b. Available-for-sale
securities....................................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold
in domestic offices........................
b. Securities purchased
under agreements to
resell .........................................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ..................................
b. High volatility
commercial real estate
exposures...................................
c. Exposures past due
90 days or more or
on nonaccrual67.............................
(Column M)
AF
T
2.c Equity securities with readily
determinable fair values not held
for trading6
(Column L)
RCFD S406
RCFD XXXX
RCFD H271
RCFD XXXX
1.
2.a.
RCFD H272
2.b.
2.c.
RCFD XXXX
3.a.
3.b.
RCFD H273
RCFD H274
4.a.
RCFD H275
RCFD H276
4.b.
RCFD H277
RCFD H278
4.c.
4. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
5.
default fund contributions to central counterparties.
5. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
7.6. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
7. Item
Item 2.c
only
by institutions
that that
havehave
adopted
ASU 2016-01,
which includes
provisionsprovisions
governing governing
the accounting
investments
equity securities.
See securities.
the instructions
6.
2.cisistotobebecompleted
completed
only
by institutions
adopted
ASU 2016-01,
which includes
the for
accounting
for in
investments
in equity
forthe
further
detail onfor
ASU
2016-01.
See
instructions
further
detail on ASU 2016-01.
06/2015
FFIEC 031
Page 67 of 84
RC-52
Schedule RC-R—Continued
Part II—Continued
Dollar Amounts in Thousands
4. Loans and leases held for
sale (continued):
d. All other
exposures................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures................
b. High volatility
commercial real estate
exposures................
c. Exposures past due
90 days or more or on
nonaccrual78..............
Amount
RCFD S431
RCFD S439
RCFD S445
RCFD S449
RCFD S457
d. All other exposures ....
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
0%
2%
4%
10%
20%
50%
100%
150%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD S432
RCFD S433
RCFD HJ80
RCFD HJ81
RCFD S434
RCFD S435
RCFD S436
RCFD S437
RCFD S440
RCFD S446
(Column J)
Allocation by Risk-Weight Category
RCFD H178
RCFD S441
RCFD H179
RCFD H180
RCFD S442
RCFD H181
4.d.
RCFD S443
RCFD H182
5.a.
RCFD S447
5.b.
RCFD S450
RCFD S451
RCFD HJ82
RCFD HJ83
RCFD S452
RCFD S453
RCFD S454
RCFD S455
RCFD S458
RCFD S459
RCFD HJ84
RCFD HJ85
RCFD S460
RCFD S461
RCFD S462
RCFD S463
5.c.
5.d.
RCFD 3123
D
R
6. LESS: Allowance for loan
and lease losses ...........
RCFD 3123
(Column B)
Adjustments
to Totals
Reported in
Column A
AF
T
(Column A)
Totals From
Schedule
RC
6.
RCFD D976
RCFD S466
RCFD D977
RCFD HJ86
RCFD HJ87
RCFD D978
RCFD D979
RCFD D980
RCFD S467
RCFD D981
RCFD S469
RCFD D982
RCFD HJ88
RCFD HJ89
RCFD D983
RCFD D984
RCFD D985
RCFD H185
7.
7. Trading assets ..............
8. All other assets89............
a. Separate account
bank-owned life
insurance ................
b. Default fund
contributions to central
counterparties ..........
8.
8.a.
8.b.
8.7. For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
9.8. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.
03/2017
FFIEC 031
Page 68 of 84
RC-53
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
d. All other exposures .......................
250%10
300%
400%
600%
625%
937.5%
1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD H279
RCFD H280
RCFD H281
RCFD H283
D
R
6. LESS: Allowance for loan
and lease losses ..............................
AF
T
4. Loans and leases held for
sale (continued):
d. All other
exposures...................................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures...................................
b. High volatility
commercial real estate
exposures...................................
c. Exposures past due
90 days or more or on
nonaccrual11 ................................
(Column S)
Application of Other RiskWeighting Approaches910
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
(Column R)
4.d.
RCFD H282
5.a.
RCFD H284
5.b.
RCFD H285
RCFD H286
RCFD H287
RCFD H288
5.c.
5.d.
6.
RCFD H289
RCFD H186
RCFD H290
RCFD H187
RCFD H291
RCFD H292
RCFD H293
RCFD H188
RCFD S470
RCFD S471
RCFD H294
RCFD H295
7.
7. Trading assets .................................
8.
8. All other assets12 ...............................
a. Separate account
bank-owned life
insurance ...................................
b. Default fund
contributions to central
counterparties .............................
10.
9.
RCFD H296
RCFD H297
8.a.
RCFD H298
RCFD H299
8.b.
Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
10. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
11. For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
12. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible
assets; and other assets.
03/2017
FFIEC 031
Page 69 of 84
RC-54
Schedule RC-R—Continued
Part II—Continued
(Column Q)
(Column B)
Adjustments
Allocation by
to Totals
Risk-Weight
Reported in
Category
Column A
(Exposure Amount)
(Column T)
Dollar Amounts in Thousands
Securitization Exposures: On- and Off-Balance Sheet
9. On-balance sheet securitization exposures:
a. Held-to-maturity securities..........................................................................................
(Column U)
Total Risk-Weighted Asset
Amount by Calculation
Methodology
AF
T
(Column A)
Totals
Amount
Amount
1250%
Amount
SSFA13
Amount
Gross-Up
Amount
RCFD S475
RCFD S476
RCFD S477
RCFD S478
RCFD S479
RCFD S480
RCFD S481
RCFD S482
RCFD S483
RCFD S484
RCFD S485
RCFD S486
RCFD S487
RCFD S488
RCFD S489
RCFD S490
RCFD S491
RCFD S492
RCFD S493
RCFD S494
RCFD S495
RCFD S496
RCFD S497
RCFD S498
RCFD S499
9.a.
9.b.
`
b. Available-for-sale securities ........................................................................................
9.c.
c. Trading assets .........................................................................................................
d. All other on-balance sheet securitization exposures.........................................................
9.d.
10. Off-balance sheet securitization exposures ........................................................................
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
(Column D)
(Column E)
0%
2%
4%
10%
Amount
Dollar Amounts in Thousands
Amount
Amount
Amount
Amount
Amount
11. Total balance sheet
assets14 .................
RCFD 2170
RCFD S500
RCFD D987
RCFD HJ90
RCFD HJ91
(Column K)
250%15
Dollar Amounts in Thousands
11. Total balance sheet
assets14 .............................................................
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
50%
100%
150%
Allocation by Risk-Weight Category
D
R
(Column A)
Totals From
Schedule
RC
10.
(Column L)
300%
20%
Amount
Amount
Amount
Amount
RCFD D988
RCFD D989
RCFD D990
RCFD S503
11.
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Allocation by Risk-Weight Category
400%
600%
625%
937.5%
Amount
Amount
Amount
Amount
Amount
Amount
RCFD S504
RCFD S505
RCFD S506
RCFD S507
(Column R)
Application of
Other RiskWeighting
Approaches
1250%
Exposure
Amount
Amount
Amount
RCFD S510
RCFD H300
11.
13. Simplified Supervisory Formula Approach.
14. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11, column A, must equal Schedule RC, item 12.
03/2017
15. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
FFIEC 031
Page 70 of 84
RC-55
Schedule RC-R—Continued
Part II—Continued
Dollar Amounts in Thousands
RCFD D991
1.0
RCFD D997
RCFD G606
RCFD G612
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
Allocation by Risk-Weight Category
2%
4%
10%
20%
50%
100%
150%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD D992
RCFD D993
RCFD HJ92
RCFD HJ93
RCFD D994
RCFD D995
RCFD D996
RCFD S511
RCFD G613
RCFD S514
RCFD G607
0.2
(Column E)
0%
RCFD D998
0.5
(Column D)
RCFD D999
RCFD G608
RCFD G603
RCFD HJ94
D
R
Derivatives, Off-Balance
Sheet Items, and Other
Items Subject to Risk
Weighting (Excluding
Securitization
Exposures)1817
12. Financial standby
letters of credit ........
13. Performance standby
letters of credit and
transaction-related
contingent items ......
14. Commercial and
similar letters of credit
with an original
maturity of one year
or less ...................
15. Retained recourse
on small business
obligations sold
with recourse ..........
Amount
(Column C)
AF
T
(Column A)
(Column B)
15
Face, Notional, CCF16
Credit
or Other
Equivalent
Amount
Amount1716
RCFD G614
RCFD HJ95
RCFD G609
RCFD G615
RCFD G604
RCFD G610
RCFD G616
1.0
RCFD G605
RCFD G611
RCFD G617
12.
RCFD S512
13.
RCFD S513
14.
15.
15. Credit conversion factor.
16.
16. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B.
17.
17. All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10.
18.
03/2017
FFIEC 031
Page 71 of 84
RC-56
Schedule RC-R—Continued
Part II—Continued
(Column C)
Amount
RCFD S515
1.0
RCFD G618
1.0
RCFD S525
RCFD G624
10%
Amount
Amount
Amount
Amount
RCFD S517
RCFD S518
RCFD S519
RCFD G619
RCFD G620
RCFD S527
RCFD G626
RCFD HJ96
RCFD HJ98
(Column G)
(Column H)
(Column I)
(Column J)
RCFD HJ97
20%
100%
150%
Amount
Amount
Amount
Amount
RCFD S520
RCFD S521
RCFD S522
RCFD S523
RCFD G621
RCFD G622
RCFD G623
RCFD S524
RCFD S528
RCFD HJ99
50%
RCFD G627
RCFD S529
RCFD G628
RCFD S530
RCFD G629
16.
17.
RCFD S531
18.a.
RCFD S539
18.b.
RCFD S541
D
R
RCFD S540
(Column F)
4%
Amount
RCFD G625
0.5
2%
RCFD S516
RCFD S526
0.2
(Column E)
Allocation by Risk-Weight Category
0%
Dollar Amounts in Thousands
16. Repo-style
20
transactions21 ...........
17. All other off-balance
sheet liabilities .........
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less ...
b. Original maturity
exceeding one
year ...................
19. Unconditionally
cancelable
commitments...........
20. Over-the-counter
derivatives ..............
21. Centrally cleared
derivatives ..............
22. Unsettled transactions
(failed trades)2221 .........
(Column D)
AF
T
(Column A)
(Column B)
18
Face, Notional, CCF19
Credit
or Other
Equivalent
Amount
Amount2019
19.
0.0
RCFD H191
RCFD S542
RCFD S543
RCFD HK00
RCFD HK01
RCFD S549
RCFD S550
RCFD S551
RCFD S552
RCFD H193
RCFD S544
RCFD S545
RCFD S546
RCFD S547
RCFD S548
RCFD S554
RCFD S555
RCFD S556
RCFD S557
RCFD H194
RCFD H195
RCFD H196
RCFD H197
20.
21.
22.
18. Credit conversion factor.
19.
19. For items 16 through 19, column A multiplied by credit conversion factor.
20.
20. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
21.
21. For item 22, the sum of columns C through Q must equal column A.
22.
03/2017
FFIEC 031
Page 72 of 84
RC-57
Schedule RC-R—Continued
Part II—Continued
(Column O)
(Column P)
(Column Q)
D
R
Dollar Amounts in Thousands
16. Repo-style
23
transactions24 ................................................................................................................
17. All other off-balance
sheet liabilities ..............................................................................................................
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less .........................................................................................................
b. Original maturity
exceeding one
year ........................................................................................................................
19. Unconditionally
cancelable
commitments................................................................................................................
20. Over-the-counter
derivatives ...................................................................................................................
21. Centrally cleared
derivatives ...................................................................................................................
22. Unsettled transactions
(failed trades)2524 ..............................................................................................................
625%
937.5%
1250%
Amount
Amount
Amount
(Column S)
Application of Other RiskWeighting Approaches2322
AF
T
Allocation by Risk-Weight Category
(Column R)
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Amount
Amount
RCFD H301
RCFD H302
RCFD H303
RCFD H307
16.
17.
RCFD H304
18.a.
RCFD H308
18.b.
19.
RCFD H309
RCFD H310
20.
21.
RCFD H198
RCFD H199
RCFD H200
22.
22. Includes, for example, exposures collateralized by securitization exposures or mutual funds.
23.
23. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
24.
24. For item 22, the sum of columns C through Q must equal column A.
25.
09/2016
FFIEC 031
Page 73 of 84
RC-58
Schedule RC-R—Continued
Part II—Continued
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
AF
T
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
2%
4%
10%
20%
50%
100%
150%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD G630
RCFD S558
RCFD S559
RCFD S560
RCFD G631
RCFD G632
RCFD G633
RCFD S561
X 0%
X 2%
X 4%
X 10%
X 20%
X 50%
X 100%
X 150%
RCFD G634
RCFD S569
RCFD S570
RCFD S571
RCFD G635
RCFD G636
RCFD G637
RCFD S572
D
R
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) ....................................................
24. Risk-weight factor ................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) .............................................................
0%
23.
24.
25.
03/2015
FFIEC 031
Page 74 of 84
RC-59
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
AF
T
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
300%
400%
600%
625%
937.5%
1250%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD S562
RCFD S563
RCFD S564
RCFD S565
RCFD S566
RCFD S567
RCFD S568
X 250%
X 300%
X 400%
X 600%
X 625%
X 937.5%
X 1250%
RCFD S573
RCFD S574
RCFD S575
RCFD S576
RCFD S577
RCFD S578
RCFD S579
D
R
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) .......................................................................
24. Risk-weight factor ...................................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) ................................................................................
250%26
26.
27.
28.
29.
30.
31.
Dollar Amounts in Thousands
Risk-weighted assets base for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold ..............................
Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capital rules) ...............................
25
Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve27 ......................
LESS: Excess allowance for loan and lease losses ......................................................................................................................
LESS: Allocated transfer risk reserve .........................................................................................................................................
Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................
RCFD
S580
S581
B704
A222
3128
G641
23.
24.
25.
Totals
Amount
26.
27.
28.
29.
30.
31.
26. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable).
27.
25.
06/2015
FFIEC 031
Page 75 of 84
RC-60
Schedule RC-R—Continued
Part II—Continued
Memoranda
AF
T
Dollar Amounts in Thousands RCFD
1. Current credit exposure across all derivative contracts covered by the regulatory capital rules ..................................................................... G642
(Column A)
One year or less
RCFD
Amount
RCFD
Amount
RCFD
M.1.
(Column C)
Over five years
Amount
S582
S585
S588
S591
S594
S597
S600
S583
S586
S589
S592
S595
S598
S601
S584
S587
S590
S593
S596
S599
S602
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
M.2.g.
S603
S606
S609
S612
S615
S618
S621
S604
S607
S610
S613
S616
S619
S622
S605
S608
S611
S614
S617
S620
S623
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.
D
R
Dollar Amounts in Thousands
2. Notional principal amounts of over-the-counter derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold...........................................................
c. Credit (investment grade reference asset)..............................................
d. Credit (non-investment grade reference asset)........................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................
3. Notional principal amounts of centrally cleared derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold ..........................................................
c. Credit (investment grade reference asset) .............................................
d. Credit (non-investment grade reference asset) .......................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................
With a remaining maturity of
(Column B)
Over one year
through five years
Amount
03/2015
FFIEC 031
Page 76 of 84
RC-61
Schedule RC-S—Servicing, Securitization, and Asset Sale Activities
(Column C)
Credit
Card
Receivables
(Column D)
Auto
Loans
(Column E)
Other
Consumer
Loans
(Column F)
Commercial
and Industrial
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD B705
RCFD B706
RCFD B707
RCFD B708
RCFD B709
RCFD B710
RCFD B711
AF
T
(Column B)
Home
Equity
Lines
b. 90 days or more past due ......................
5. Charge-offs and recoveries on assets sold
and securitized with servicing retained or
with recourse or other seller-provided credit
enhancements (calendar year-to-date):
a. Charge-offs ........................................
1.
RCFDXXXX
B712
RCFD
RCFDXXXX
B713
RCFD
RCFD XXXX
B714
RCFD
RCFD
RCFDXXXX
B715
RCFD
RCFDXXXX
B716
RCFD
B717
RCFD XXXX
RCFD XXXX
B718
RCFD
RCFD C393
RCFD C394
RCFD C395
RCFD C396
RCFD C397
RCFD C398
RCFD C399
RCFD C400
RCFD C401
RCFD C402
RCFD C403
RCFD C404
RCFD C405
RCFD C406
RCFD B726
RCFD B727
D
R
Dollar Amounts in Thousands
Bank Securitization Activities
1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other seller-provided
credit enhancements ...............................
2. Maximum amount of credit exposure arising
from recourse or other seller-provided credit
enhancements provided to structures
reported in item 1 in the form of:
a. Credit-enhancing interest-only strips
(included in Schedules RC-B or RC-F
or in Schedule RC, item 5).....................
b. Subordinated securities and other residual
interests ............................................
Item
is to beletters
completed
by banks
with $100
c. 3Standby
of credit
and other
1
billionenhancements
or more in total
assets .
....................................
3. Reporting bank's unused commitments
to provide liquidity to structures reported
in item 1 ................................................
4. Past due loan amounts included in
item 1:
a. 30-89 days past due.............................
(Column A)
1–4 Family
Residential
Loans
RCFD B728
RCFD B729
RCFD B730
RCFD B731
2.a.
2.b.
2.c.
RCFD B732
3.
RCFD B733
RCFD B734
RCFD B735
RCFD B736
RCFD B737
RCFD B738
RCFD B739
RCFD B740
RCFD B741
RCFD B742
RCFD B743
RCFD B744
RCFD B745
RCFD B746
4.a.
4.b.
RIAD B747
RIAD B748
RIAD B749
RIAD B750
RIAD B751
RIAD B752
RIAD B753
RIAD B754
RIAD B755
RIAD B756
RIAD B757
RIAD B758
RIAD B759
RIAD B760
5.a.
b. Recoveries .........................................
5.b.
1. The asset size tests are based on the total assets reported on the June 30, 2017, Report of Condition.
06/2012
FFIEC 031
Page 77 of 84
RC-62
Schedule RC-S—Continued
Dollar Amounts in Thousands
6. Amount
of ownership
(or seller's)
Total amount
of ownership
(or seller's)
interests
carried as
as:securities or loans
interest carried
a. Securities (included in Schedule
RC-B or in Schedule RC, item 5) ...........
b. Loans (included in Schedule RC-C) .......
7. Past due loan amounts included in
interests reported in item 6.a:
a. 30-89 days past due ...........................
b. 90 days or more past due ....................
8. Charge-offs and recoveries on loan
amounts included in interests reported in
item 6.a (calendar year-to-date):
a. Charge-offs ......................................
b. Recoveries .......................................
(Column B)
Home
Equity
Lines
(Column C)
Credit
Card
Receivables
(Column D)
Auto
Loans
(Column E)
Other
Consumer
Loans
(Column F)
Commercial
and Industrial
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD
XXXX
RCFD
B761
RCFD
XXXX
RCFD
B762
RCFD
B763
RCFD
XXXX
RCFD B500
RCFD B501
RCFD B502
RCFD B764
RCFD B765
RCFD B766
RCFD B767
RCFD B768
RCFD B769
RIAD B770
RIAD B771
RIAD B772
RIAD B773
RIAD B774
RIAD B775
D
R
For Securitization Facilities Sponsored
By or Otherwise Established By Other
Institutions
9. Maximum amount of credit exposure
arising from credit enhancements provided
by the reporting bank to other institutions'
securitization structures in the form of
standby letters of credit, purchased
subordinated securities, and other
enhancements ......................................
10. Reporting bank's unused commitments to
provide liquidity to other institutions'
securitization structures ..........................
(Column A)
1–4 Family
Residential
Loans
AF
T
Items 6 and 10 are to be completed by banks
with $10 billion or more in total assets.1
RCFD B776
RCFD B783
RCFD B777
RCFD B784
RCFD B778
RCFD B779
RCFD B780
RCFD B781
6.a.
6.b.
7.a.
7.b.
8.a.
8.b.
RCFD B782
9.
RCFD B785
RCFD B786
RCFD B787
RCFD B788
RCFD B789
10.
1. The asset size tests are based on the total assets reported on the June 30, 2017, Report of Condition.
06/2012
FFIEC 031
Page 78 of 84
RC-63
Schedule RC-S—Continued
Memoranda
(Column B)
Home
Equity
Lines
(Column C)
Credit
Card
Receivables
(Column D)
Auto
Loans
(Column E)
Other
Consumer
Loans
(Column F)
Commercial
and Industrial
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCFD B790
RCFD B791
RCFD B792
RCFD B793
RCFD B794
RCFD B795
RCFD B796
AF
T
Dollar Amounts in Thousands
Bank Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
bank ...........................................
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11....
(Column A)
1–4 Family
Residential
Loans
RCFD B797
RCFD B798
RCFD B799
RCFD B800
RCFD B801
RCFD B802
D
R
Dollar Amounts in Thousands
1. Small
business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory
Not applicable
Improvement Act of 1994:
a. Outstanding principal balance...............................................................................................................................................
b. Amount of retained recourse on these obligations as of the report date .........................................................................................
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1– 4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ............................
b. Closed-end 1– 4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements........................
c. Other financial assets (includes home equity lines)1 ..................................................................................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end
(includes closed-end and open-end loans) ..............................................................................................................................
3. Asset-backed commercial paper conduits:2
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C3 ..........................................................
RCFD
11.
RCFD B803
12.
Amount
A249
A250
M.1.a.
M.1.b.
B804
B805
A591
M.2.a.
M.2.b.
M.2.c.
F699
M.2.d.
B806
M.3.a.(1)
M.3.a.(2)
B807
B808
B809
C407
M.3.b.(1)
M.3.b.(2)
M.4.
with $10 billion or more in total assets4
1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. Memorandum items 3.a.(1) through 3.b.(2) are to be completed by banks with $110
billion
or more
in total
billion
or more
inassets.
total assets4.
3. Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
4. The asset size tests are based on the total assets reported on the June 30, 2017, Report of Condition.
09/2016
FFIEC 031
Page 79 of 84
RC-64
Schedule RC-T—Fiduciary and Related Services
RCFD
Yes
No
1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.) ................... A345
2. Does the institution exercise the fiduciary powers it has been granted? ........................................ A346
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report
in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) ....................................... B867
1.
2.
3.
If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows:
T
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding December 31)
or with gross fiduciary and related services income greater than 10 percent of revenue (net interest income plus noninterest income)
for the preceding calendar year must complete:
• Items 4 through 22.a and Memorandum item 3 quarterly,
• Items 23 through 26 annually with the December report, and
• Memorandum items 1, 2, and 4 annually with the December report.
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 million but less than or equal to $250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
Items 4
4 through
through 26
*• Items
13 annually
annuallywith
withthe
theDecember
Decemberreport,
report,and
and
Memorandum
items
1
through
4
annually
with
the
December
report.
*• Memorandum items 1 through 3 annually with the
December
report.
R
AF
* Institutions with total fiduciary assets greater than $100 million but less than or equal to $250 million (as of the preceding
Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 million or less (as of the preceding December 31)
December
31) that do not meet the fiduciary income test for quarterly reporting must also complete Memorandum item 4
that do not meet the fiduciary income test for quarterly reporting must complete:
annually
with
the December report.
Items 4 through 13 annually with the December report, and
•
• Memorandum items 1 through 3 annually with the December report.
(Column A)
Managed
Assets
Dollar Amounts in Thousands
Fiduciary and Related Assets
4. Personal trust and agency accounts ........
5. Employee benefit and retirementrelated trust and agency accounts:
a. Employee benefit—defined
contribution.....................................
b. Employee benefit—defined benefit
c. Other employee benefit and retirementrelated accounts ..............................
D
6. Corporate trust and agency accounts ......
7. Investment management and investment
advisory agency accounts .....................
8. Foundation and endowment trust and
agency accounts .................................
9. Other fiduciary accounts .......................
10. Total fiduciary accounts
(sum of items 4 through 9) ....................
(Column B)
Non-Managed
Assets
(Column D)
Number of
Non-Managed
Accounts
Amount
Amount
Number
Number
RCFD B868
RCFD B869
RCFD B870
RCFD B871
4.
RCFD B872
RCFD B873
RCFD B874
RCFD B875
RCFD B876
RCFD B877
RCFD B878
RCFD B879
RCFD B880
RCFD B881
RCFD B882
RCFD B883
RCFD B884
RCFD B885
RCFD C001
RCFD C002
RCFD B886
RCFD J253
RCFD B888
RCFD J254
RCFD J255
RCFD J256
RCFD J257
RCFD J258
RCFD B890
RCFD B891
RCFD B892
RCFD B893
RCFD B894
RCFD B895
RCFD B896
RCFD B897
5.a.
5.b.
5.c.
6.
7.
8.
9.
10.
RCFD B898
11. Custody and safekeeping accounts .........
(Column C)
Number of
Managed
Accounts
RCFD B899
11.
06/2012
FFIEC 031
Page 80 of 84
RC-65
Schedule RC-T—Continued
Dollar Amounts in Thousands
12. Fiduciary accounts held in foreign
offices (included in items 10 and 11) .....
13. Individual Retirement Accounts,
Health Savings Accounts, and other
similar accounts
(included in items 5.c and 11) .............
(Column A)
Managed
Assets
(Column B)
Non-Managed
Assets
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
Amount
RCFN B900
Amount
RCFN B901
Number
RCFN B902
Number
RCFN B903
12.
RCFD J259
RCFD J260
RCFD J261
RCFD J262
13.
Amount
T
Dollar Amounts in Thousands RIAD
B904
14.
B905
B906
B910
15.a.
15.b.
15.c.
16.
17.
18.
19.
20.
21.
4070
22.
B907
A479
J315
R
AF
Fiduciary and Related Services Income
14. Personal trust and agency accounts ..................................................................................
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit-defined contribution ............................................................................
b. Employee benefit-defined benefit ..................................................................................
c. Other employee benefit and retirement-related accounts ....................................................
16. Corporate trust and agency accounts ................................................................................
17. Investment management and investment advisory agency accounts ........................................
18. Foundation and endowment trust and agency accounts ........................................................
19. Other fiduciary accounts .................................................................................................
20. Custody and safekeeping accounts ...................................................................................
21. Other fiduciary and related services income ........................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21)
(must equal Schedule RI, item 5.a) ...................................................................................
a. Fiduciary and related services income—foreign offices
(included in item 22) ................................................................... B912
23. Less: Expenses ............................................................................................................
24. Less: Net losses from fiduciary and related services .............................................................
25. Plus: Intracompany income credits for fiduciary and related services........................................
26. Net fiduciary and related services income...........................................................................
Memoranda
D
Dollar Amounts in Thousands
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits ........................
b. Interest-bearing deposits .............................
c. U.S. Treasury and U.S. Government
agency obligations .....................................
d. State, county, and municipal obligations .........
e. Money market mutual funds .........................
f. Equity mutual funds ...................................
g. Other mutual funds.....................................
h. Common trust funds and collective
investment funds .......................................
i. Other short-term obligations ........................
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
RCFD
Amount
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
RCFD
Amount
J316
A480
B909
22.a.
23.
24.
25.
26.
C058
A488
B911
A491
(Column C)
All Other Accounts
RCFD
Amount
J263
J266
J264
J267
J265
J268
M.1.a.
M.1.b.
J269
J272
J275
J270
J273
J276
J271
J274
J277
J278
J281
J279
J282
J280
J283
M.1.c.
M.1.d.
M.1.e.
M.1. f.
M.1.g.
J284
J287
J285
J288
J286
J289
M.1.h.
M.1. i.
06/2012
FFIEC 031
Page 81 of 84
RC-66
Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
RCFD
Amount
Amount
RCFD
(Column C)
All Other Accounts
Amount
RCFD
J290
J291
J292
M.1.j.
J293
J296
J299
J294
J297
J300
J295
J298
J301
J302
J305
J308
J303
J306
J304
J307
M.1.k.
M.1.l.
M.1.m.
M.1.n.
M.1.o.
J309
J310
M.1.p.
T
Dollar Amounts in Thousands
1. j. Other notes and bonds ............................
k. Investments in unregistered funds and
private equity investments ........................
l. Other common and preferred stocks ...........
m. Real estate mortgages .............................
n. Real estate ............................................
o. Miscellaneous assets ..............................
p. Total managed assets held in fiduciary
accounts (for each column, sum of
Memorandum items 1.a through 1.o)...........
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
(Column B)
Number of
Managed Accounts
R
AF
(Column A)
Managed Assets
Dollar Amounts in Thousands RCFD
1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds ........................................................... J311
Amount
RCFD
Number
J312
(Column A)
Number of
Issues
Dollar Amounts in Thousands RCFD
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships ................................................. B927
M.1.q.
(Column B)
Principal Amount
Outstanding
Number
Amount
RCFD B928
M.2.a.
RCFD J314
(1) Issues reported in Memorandum item 2.a that are in default ................ J313
M.2.a.(1)
b. Transfer agent, registrar, paying agent, and other corporate agency.......... B929
Memoranda items 3.a through 3.g are to be completed by banks with collective
investment funds and common trust funds with a total market value of $1 billion
or more as of the preceding December 31.
D
Dollar Amounts in Thousands
3. Collective investment funds and common trust funds:
a. Domestic equity..............................................................................
b. International/Global equity ................................................................
c. Stock/Bond blend............................................................................
d. Taxable bond .................................................................................
e. Municipal bond ...............................................................................
f. Short-term investments/Money market ................................................
g. Specialty/Other ..............................................................................
h. Total collective investment funds
(sum of Memorandum items 3.a through 3.g) .......................................
(Column A)
Number of Funds
RCFD
Number
M.2.b.
(Column B)
Market Value of
Fund Assets
RCFD
Amount
B931
B932
B933
B935
B937
B934
B936
B938
B939
B941
B943
B940
B942
B944
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3. f.
M.3.g.
B945
B946
M.3.h.
06/2012
FFIEC 031
Page 82 of 84
RC-67
Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Gross Losses
Managed
Accounts
RIAD
Amount
RIAD
Amount
(Column C)
Recoveries
RIAD
Amount
B947
B948
B949
M.4.a.
B950
B951
B952
M.4.b.
B953
B956
B954
B957
B955
B958
M.4.c.
M.4.d.
B959
B960
B961
M.4.e.
R
AF
T
Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts ........................................
b. Employee benefit and retirement-related trust and agency
accounts ............................................................................
c. Investment management and investment advisory agency
accounts ............................................................................
d. Other fiduciary accounts and related services ............................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d)
(sum of columns A and B minus column C must equal
Schedule RC-T, item 24) .......................................................
(Column B)
Gross Losses
Non-Managed
Accounts
Person to whom questions about Schedule RC-T—Fiduciary and Related Services should be directed:
Name and Title (TEXT B962)
E-mail Address (TEXT B926)
Area Code / Phone Number / Extension (TEXT B963)
D
Area Code / FAX Number (TEXT B964)
06/2012
FFIEC 031
Page 83 of 84
RC-68
Schedule RC-V—Variable Interest Entities
(Column A)
Securitization Vehicles
RCFD
Amount
RCFD
Amount
RCFD
J981
J982
J983
J984
XXXX
J985
J988
J991
J994
J986
XXXX
J996
K009
J999
K012
K003
K006
K009
K012
J989
J992
XXXX
J995
K001
K011
J998
K002
K014
K004
K007
K010
K013
K005
K008
K011
K014
J997
1.a.
1.b.
1.c.
1.d.
1.c.
1.e.
1.df.
1.
1.e
1.g.
1.h.
1. i.
1. j.
1.k.
K015
K016
K017
K018
K021
K019
K022
K020
K023
2.a.
2.b.
2.c.
K024
K027
K025
K028
K026
K029
2.a.
2.d.
2.b.
2.e.
K030
K031
K032
3.
K033
K034
K035
4.
RCFD
XXXX
XXXX
Amount
5.
6.
D
5. Total assets of asset-backed commercial paper
(ABCP) conduit VIEs............................
6. Total liabilities of ABCP conduit VIEs........................
Amount
T
J987
J990
J993
XXXX
R
AF
Dollar Amounts in Thousands
1. Assets of consolidated variable interest
entities (VIEs) that can be used only to settle
obligations of the consolidated VIEs:
a. Cash and balances due from depository
institutions......................................................
b. Held-to-maturity
Securities not held
for trading
b.
securities
.................................
c. Loans
and leases held
for investment,
net of
c.
Available-for-sale
securities
...............................
allowance,
held for under
sale agreements to resell ...
d.
Securitiesand
purchased
e. Loans and leases held for sale ...........................
d.
Other real
estate owned
f. Loans
and leases
held for investment ..................
e. Less:
OtherAllowance
assets
g.
for loan and lease losses ............
h. Trading assets (other than derivatives).................
i. Derivative trading assets ...................................
j. Other real estate owned ....................................
k. Other assets ...................................................
2. Liabilities of consolidated VIEs for which creditors do
not have recourse to the general credit of the
reporting bank:
a. Securities sold under agreements to
repurchase .....................................................
b. Derivative trading liabilities ................................
c. Commercial paper ...........................................
Otherborrowed
borrowed money
a.d.Other
money
(exclude commercial paper) ...............................
b.
e. Other liabilities ................................................
3. All other assets of consolidated VIEs
1.e above) ............
(not included in items 1.a through 1.k
4. All other liabilities of consolidated VIEs
and 2.b2.e above) ............
(not included in items 2.a through
(Column
(ColumnC)B)
Other VIEs
(Column B)
ABCP Conduits
03/2017
FFIEC 031
Page 84 of 84
RC-69
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
750 characters, as defined, it will be truncated at 750 characters
with no notice to the submitting bank and the truncated statement will appear as the bank’s statement both on agency computerized records and in computer-file releases to the public.
All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement’s accuracy.
T
If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition and
Income, the existing narrative statement will be deleted from the
files, and from disclosure; the bank, at its option, may replace it
with a statement appropriate to the amended data.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended as
described in the preceding paragraph) by the management of
the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL
NOT BE EDITED OR SCREENED IN ANY WAY BY THE
SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE.
DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY
THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED
OR CONFIRMED THE ACCURACY OF THE INFORMATION
CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL
APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL
STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
R
AF
The management of the reporting bank may, if it wishes, submit a
brief narrative statement on the amounts reported in the Reports
of Condition and Income. This optional statement will be made
available to the public, along with the publicly available data in the
Reports of Condition and Income, in response to any request for
individual bank report data. However, the information reported in
Schedule RI-E, item 2.g; Schedule RC-O, Memorandum items 6
through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b,
is regarded as confidential and will not be released to the public.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT
CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF
INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE
AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS
IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT
THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT
WOULD
COMPROMISE
THE
PRIVACY
OF
THEIR
CUSTOMERS. Banks choosing not to make a statement may
check the “No comment” box below and should make no entries
of any kind in the space provided for the narrative statement; i.e.,
DO NOT enter in this space such phrases as “No statement,”
“Not applicable,” “N/A,” “No comment,” and “None.”
The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing
between words and sentences. If any submission should exceed
RCON Yes
No
Comments? .................................................................................................................................. 6979
BANK MANAGEMENT STATEMENT (please type or print clearly; 750 character limit):
D
(TEXT 6980)
06/2013
| File Type | application/pdf |
| File Modified | 2018-04-10 |
| File Created | 2017-06-24 |